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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 | $63,423 | $152,651-58.5% | $105,218-39.7% | $125,389-49.4% |
| Participation rate | 100.0% | 81.5%+18.5pp | 77.2%+22.8pp | 83.2%+16.8pp |
| Annual return | -2.70% | 8.24%-10.9pp | 5.33%-8.0pp | 282.24%-284.9pp |
| Employer contribution / active EE | $10,511 | $4,802+118.9% | $3,255+222.9% | $4,866+116.0% |
| Participant deferral / active EE | $14,131 | $6,660+112.2% | $4,867+190.4% | $5,352+164.1% |
| Admin fee / account holder | $4,446 | $14,248-68.8% | $6,992-36.4% | $9,541-53.4% |