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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 | $54,438 | $149,333-63.5% | $106,387-48.8% | $135,380-59.8% |
| Participation rate | 83.3% | 81.5%+1.9pp | 77.5%+5.9pp | 82.6%+0.7pp |
| Annual return | -3.17% | 0.52%-3.7pp | 0.25%-3.4pp | 519.81%-523.0pp |
| Employer contribution / active EE | $2,031 | $4,984-59.3% | $3,520-42.3% | $4,779-57.5% |
| Participant deferral / active EE | $4,359 | $7,230-39.7% | $5,421-19.6% | $5,609-22.3% |
| Admin fee / account holder | $420 | $15,952-97.4% | $7,510-94.4% | $10,828-96.1% |