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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 | $70,155 | $127,096-44.8% | $105,736-33.7% | $135,380-48.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -4.75% | 4.49%-9.2pp | 6.27%-11.0pp | 519.81%-524.6pp |
| Employer contribution / active EE | $3,718 | $4,107-9.5% | $3,268+13.8% | $4,779-22.2% |
| Participant deferral / active EE | $14,068 | $5,064+177.8% | $4,080+244.8% | $5,609+150.8% |
| Admin fee / account holder | $1,062 | $9,087-88.3% | $6,913-84.6% | $10,828-90.2% |