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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 | $25,358 | $92,219-72.5% | $76,766-67.0% | $135,382-81.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.64% | 5.46%-14.1pp | 2.43%-11.1pp | 519.77%-528.4pp |
| Employer contribution / active EE | $2,044 | $3,216-36.4% | $2,485-17.8% | $4,779-57.2% |
| Participant deferral / active EE | $3,053 | $4,508-32.3% | $3,851-20.7% | $5,609-45.6% |
| Admin fee / account holder | $812 | $10,749-92.4% | $6,675-87.8% | $10,829-92.5% |