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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 | $70,659 | $54,355+30.0% | $82,744-14.6% | $68,486+3.2% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -17.75% | -13.67%-4.1pp | 702.22%-720.0pp | -7.85%-9.9pp |
| Employer contribution / active EE | $3,005 | $2,219+35.5% | $3,008-0.1% | $2,597+15.7% |
| Participant deferral / active EE | $2,112 | $3,246-34.9% | $4,395-51.9% | $4,028-47.6% |
| Admin fee / account holder | $3,885 | $4,397-11.6% | $5,325-27.0% | $5,404-28.1% |