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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 | $57,476 | $87,544-34.3% | $75,784-24.2% | $125,388-54.2% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -2.46% | 13.49%-15.9pp | 9.68%-12.1pp | 282.24%-284.7pp |
| Employer contribution / active EE | $1,923 | $3,930-51.1% | $3,323-42.1% | $4,866-60.5% |
| Participant deferral / active EE | $3,845 | $4,229-9.1% | $3,652+5.3% | $5,352-28.2% |
| Admin fee / account holder | $4,043 | $6,502-37.8% | $5,300-23.7% | $9,541-57.6% |