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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 | $49,201 | $92,219-46.6% | $76,766-35.9% | $135,382-63.7% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -6.50% | 5.46%-12.0pp | 2.43%-8.9pp | 519.77%-526.3pp |
| Employer contribution / active EE | $2,381 | $3,216-26.0% | $2,485-4.2% | $4,779-50.2% |
| Participant deferral / active EE | $3,377 | $4,508-25.1% | $3,851-12.3% | $5,609-39.8% |
| Admin fee / account holder | $304 | $10,749-97.2% | $6,675-95.4% | $10,829-97.2% |