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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 | $30,380 | $83,908-63.8% | $68,509-55.7% | $125,388-75.8% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | -3.08% | 14.48%-17.6pp | 8.27%-11.3pp | 282.24%-285.3pp |
| Employer contribution / active EE | $2,047 | $3,031-32.5% | $2,278-10.1% | $4,866-57.9% |
| Participant deferral / active EE | $5,252 | $4,125+27.3% | $3,382+55.3% | $5,352-1.9% |
| Admin fee / account holder | $531 | $8,982-94.1% | $5,275-89.9% | $9,541-94.4% |