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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 | $227,575 | $92,219+146.8% | $76,768+196.4% | $135,379+68.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -3.85% | 5.46%-9.3pp | 2.43%-6.3pp | 519.79%-523.6pp |
| Employer contribution / active EE | $1,610 | $3,216-49.9% | $2,485-35.2% | $4,779-66.3% |
| Participant deferral / active EE | $4,399 | $4,508-2.4% | $3,852+14.2% | $5,609-21.6% |
| Admin fee / account holder | $3,911 | $10,749-63.6% | $6,675-41.4% | $10,828-63.9% |