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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 | $76,919 | $84,518-9.0% | $67,704+13.6% | $125,389-38.7% |
| Participation rate | 100.0% | 74.8%+25.2pp | 67.5%+32.5pp | 83.2%+16.8pp |
| Annual return | -3.71% | 2.57%-6.3pp | 25.41%-29.1pp | 282.24%-286.0pp |
| Employer contribution / active EE | $1,991 | $3,292-39.5% | $2,559-22.2% | $4,866-59.1% |
| Participant deferral / active EE | $4,166 | $4,430-6.0% | $3,585+16.2% | $5,352-22.2% |
| Admin fee / account holder | $1,478 | $5,340-72.3% | $4,255-65.3% | $9,541-84.5% |