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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 | $57,309 | $72,177-20.6% | $115,037-50.2% | $59,633-3.9% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -0.67% | 12.02%-12.7pp | 26.14%-26.8pp | 2041.40%-2042.1pp |
| Employer contribution / active EE | $7,543 | $2,841+165.5% | $4,608+63.7% | $2,203+242.4% |
| Participant deferral / active EE | $5,268 | $4,783+10.2% | $6,026-12.6% | $3,192+65.1% |
| Admin fee / account holder | $5,720 | $4,927+16.1% | $8,175-30.0% | $4,297+33.1% |