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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 | $114,865 | $50,947+125.5% | $74,551+54.1% | $64,173+79.0% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -4.68% | -1.85%-2.8pp | 32.53%-37.2pp | 7.63%-12.3pp |
| Employer contribution / active EE | $3,776 | $1,115+238.5% | $1,961+92.5% | $2,381+58.6% |
| Participant deferral / active EE | $3,012 | $2,302+30.9% | $3,108-3.1% | $3,470-13.2% |
| Admin fee / account holder | $2,218 | $4,221-47.5% | $5,059-56.2% | $4,887-54.6% |