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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 | $34,036 | $75,959-55.2% | $154,114-77.9% | $64,181-47.0% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -7.15% | 30.32%-37.5pp | 735.16%-742.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,699 | $3,350-49.3% | $5,298-67.9% | $2,381-28.7% |
| Participant deferral / active EE | $5,598 | $3,175+76.3% | $5,081+10.2% | $3,470+61.3% |
| Admin fee / account holder | $337 | $5,589-94.0% | $13,411-97.5% | $4,887-93.1% |