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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 | $69,735 | $99,032-29.6% | $80,022-12.9% | $135,380-48.5% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -5.08% | 15.39%-20.5pp | 11.22%-16.3pp | 519.81%-524.9pp |
| Employer contribution / active EE | $4,127 | $3,043+35.6% | $2,468+67.2% | $4,779-13.6% |
| Participant deferral / active EE | $5,069 | $4,282+18.4% | $3,686+37.5% | $5,609-9.6% |
| Admin fee / account holder | $498 | $10,436-95.2% | $6,521-92.4% | $10,828-95.4% |