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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 | $21,773 | $91,911-76.3% | $68,612-68.3% | $135,379-83.9% |
| Participation rate | 92.3% | 76.7%+15.6pp | 72.2%+20.1pp | 82.6%+9.7pp |
| Annual return | -6.87% | -8.22%+1.4pp | -4.63%-2.2pp | 519.79%-526.7pp |
| Employer contribution / active EE | $3,530 | $3,924-10.0% | $2,625+34.5% | $4,779-26.1% |
| Participant deferral / active EE | $4,142 | $4,315-4.0% | $3,311+25.1% | $5,609-26.1% |
| Admin fee / account holder | $1,064 | $9,240-88.5% | $5,131-79.3% | $10,828-90.2% |