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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 | $71,456 | $84,518-15.5% | $67,704+5.5% | $125,389-43.0% |
| Participation rate | 100.0% | 74.8%+25.2pp | 67.5%+32.5pp | 83.2%+16.8pp |
| Annual return | -2.28% | 2.57%-4.9pp | 25.41%-27.7pp | 282.24%-284.5pp |
| Employer contribution / active EE | $9,226 | $3,292+180.2% | $2,559+260.5% | $4,866+89.6% |
| Participant deferral / active EE | $5,218 | $4,430+17.8% | $3,585+45.5% | $5,352-2.5% |
| Admin fee / account holder | $530 | $5,340-90.1% | $4,255-87.5% | $9,541-94.4% |