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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 | $50,910 | $65,704-22.5% | $94,229-46.0% | $59,633-14.6% |
| Participation rate | 100.0% | 72.1%+27.9pp | 78.8%+21.2pp | 68.7%+31.3pp |
| Annual return | -2.40% | 5.22%-7.6pp | 10.68%-13.1pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $3,783 | $2,021+87.2% | $3,587+5.5% | $2,203+71.7% |
| Participant deferral / active EE | $4,382 | $3,143+39.4% | $4,320+1.4% | $3,192+37.3% |
| Admin fee / account holder | $2,141 | $4,265-49.8% | $6,269-65.8% | $4,297-50.2% |