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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 | $102,654 | $75,935+35.2% | $60,547+69.5% | $125,388-18.1% |
| Participation rate | 100.0% | 76.5%+23.5pp | 68.0%+32.0pp | 83.2%+16.8pp |
| Annual return | 0.93% | -5.38%+6.3pp | 335.64%-334.7pp | 282.24%-281.3pp |
| Employer contribution / active EE | $1,307 | $3,438-62.0% | $2,419-46.0% | $4,866-73.1% |
| Participant deferral / active EE | $5,817 | $4,506+29.1% | $3,328+74.8% | $5,352+8.7% |
| Admin fee / account holder | $3,555 | $6,768-47.5% | $4,536-21.6% | $9,541-62.7% |