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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 | $97,638 | $211,946-53.9% | $169,452-42.4% | $135,380-27.9% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | 0.20% | 3.26%-3.1pp | 1.83%-1.6pp | 519.81%-519.6pp |
| Employer contribution / active EE | $1,428 | $5,117-72.1% | $4,157-65.7% | $4,779-70.1% |
| Participant deferral / active EE | $16,321 | $6,075+168.6% | $5,277+209.3% | $5,609+191.0% |
| Admin fee / account holder | $2,939 | $11,472-74.4% | $9,110-67.7% | $10,828-72.9% |