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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 | $44,535 | $82,032-45.7% | $123,106-63.8% | $59,633-25.3% |
| Participation rate | 98.6% | 83.2%+15.4pp | 86.8%+11.9pp | 68.7%+30.0pp |
| Annual return | -0.22% | 5.12%-5.3pp | 13.22%-13.4pp | 2041.40%-2041.6pp |
| Employer contribution / active EE | $11,608 | $3,297+252.1% | $5,151+125.4% | $2,203+427.0% |
| Participant deferral / active EE | $9,930 | $4,667+112.8% | $6,229+59.4% | $3,192+211.1% |
| Admin fee / account holder | $3,028 | $5,881-48.5% | $9,015-66.4% | $4,297-29.5% |