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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 | $89,215 | $50,947+75.1% | $74,551+19.7% | $64,173+39.0% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -4.14% | -1.85%-2.3pp | 32.53%-36.7pp | 7.63%-11.8pp |
| Employer contribution / active EE | $5,124 | $1,115+359.4% | $1,961+161.3% | $2,381+115.2% |
| Participant deferral / active EE | $5,176 | $2,302+124.9% | $3,108+66.5% | $3,470+49.2% |
| Admin fee / account holder | $2,203 | $4,221-47.8% | $5,059-56.5% | $4,887-54.9% |