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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 | $46,208 | $99,032-53.3% | $80,022-42.3% | $135,380-65.9% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -7.18% | 15.39%-22.6pp | 11.22%-18.4pp | 519.81%-527.0pp |
| Employer contribution / active EE | $4,799 | $3,043+57.7% | $2,468+94.5% | $4,779+0.4% |
| Participant deferral / active EE | $4,582 | $4,282+7.0% | $3,686+24.3% | $5,609-18.3% |
| Admin fee / account holder | $366 | $10,436-96.5% | $6,521-94.4% | $10,828-96.6% |