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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 | $69,238 | $78,694-12.0% | $67,652+2.3% | $125,389-44.8% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -2.37% | 9.46%-11.8pp | 6625.40%-6627.8pp | 282.24%-284.6pp |
| Employer contribution / active EE | $1,250 | $3,044-58.9% | $2,266-44.8% | $4,866-74.3% |
| Participant deferral / active EE | $3,606 | $4,292-16.0% | $3,560+1.3% | $5,352-32.6% |
| Admin fee / account holder | $1,345 | $7,403-81.8% | $4,821-72.1% | $9,541-85.9% |