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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 | $59,968 | $45,872+30.7% | $77,100-22.2% | $68,490-12.4% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -13.69% | 1.73%-15.4pp | 42.35%-56.0pp | -7.85%-5.8pp |
| Employer contribution / active EE | $5,927 | $1,650+259.3% | $2,815+110.5% | $2,597+128.2% |
| Participant deferral / active EE | $4,862 | $2,963+64.1% | $4,430+9.8% | $4,028+20.7% |
| Admin fee / account holder | $6,974 | $3,041+129.3% | $5,443+28.1% | $5,403+29.1% |