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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 | $43,685 | $57,352-23.8% | $83,831-47.9% | $64,173-31.9% |
| Participation rate | 97.9% | 68.6%+29.3pp | 76.1%+21.8pp | 69.6%+28.3pp |
| Annual return | -6.56% | 11.38%-17.9pp | 850.99%-857.6pp | 7.63%-14.2pp |
| Employer contribution / active EE | $7,125 | $2,546+179.9% | $3,631+96.2% | $2,381+199.3% |
| Participant deferral / active EE | $5,570 | $2,993+86.1% | $4,082+36.5% | $3,470+60.5% |
| Admin fee / account holder | $1,201 | $4,046-70.3% | $5,479-78.1% | $4,887-75.4% |