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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 | $60,729 | $95,188-36.2% | $76,518-20.6% | $135,380-55.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -2.16% | 4.85%-7.0pp | -0.27%-1.9pp | 519.81%-522.0pp |
| Employer contribution / active EE | $1,470 | $3,303-55.5% | $2,647-44.5% | $4,779-69.3% |
| Participant deferral / active EE | $1,889 | $4,640-59.3% | $3,836-50.8% | $5,609-66.3% |
| Admin fee / account holder | $501 | $6,249-92.0% | $4,849-89.7% | $10,828-95.4% |