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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 | $36,410 | $78,694-53.7% | $67,652-46.2% | $125,389-71.0% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -1.26% | 9.46%-10.7pp | 6625.40%-6626.7pp | 282.24%-283.5pp |
| Employer contribution / active EE | $2,856 | $3,044-6.2% | $2,266+26.0% | $4,866-41.3% |
| Participant deferral / active EE | $3,214 | $4,292-25.1% | $3,560-9.7% | $5,352-39.9% |
| Admin fee / account holder | $808 | $7,403-89.1% | $4,821-83.2% | $9,541-91.5% |