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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 | $40,009 | $77,817-48.6% | $123,553-67.6% | $64,173-37.7% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -1.06% | 12.49%-13.5pp | 119.21%-120.3pp | 7.63%-8.7pp |
| Employer contribution / active EE | $5,616 | $3,014+86.3% | $4,628+21.3% | $2,381+135.9% |
| Participant deferral / active EE | $3,383 | $5,240-35.4% | $6,426-47.4% | $3,470-2.5% |
| Admin fee / account holder | $627 | $5,519-88.6% | $9,284-93.2% | $4,887-87.2% |