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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 | $22,137 | $84,527-73.8% | $67,711-67.3% | $125,393-82.3% |
| Participation rate | 100.0% | 74.8%+25.2pp | 67.5%+32.5pp | 83.2%+16.8pp |
| Annual return | 0.14% | 2.57%-2.4pp | 25.41%-25.3pp | 282.23%-282.1pp |
| Employer contribution / active EE | $1,248 | $3,292-62.1% | $2,559-51.3% | $4,866-74.4% |
| Participant deferral / active EE | $3,862 | $4,429-12.8% | $3,585+7.7% | $5,351-27.8% |
| Admin fee / account holder | $540 | $5,340-89.9% | $4,255-87.3% | $9,541-94.3% |