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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,741 | $85,790-14.0% | $67,313+9.6% | $135,380-45.5% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -5.19% | -0.54%-4.7pp | -4.08%-1.1pp | 519.81%-525.0pp |
| Employer contribution / active EE | $1,891 | $3,487-45.8% | $2,566-26.3% | $4,779-60.4% |
| Participant deferral / active EE | $4,972 | $4,651+6.9% | $3,568+39.3% | $5,609-11.4% |
| Admin fee / account holder | $1,096 | $6,392-82.8% | $4,507-75.7% | $10,828-89.9% |