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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 | $48,455 | $65,703-26.3% | $94,228-48.6% | $59,633-18.7% |
| Participation rate | 100.0% | 72.1%+27.9pp | 78.8%+21.2pp | 68.7%+31.3pp |
| Annual return | -0.67% | 5.22%-5.9pp | 10.68%-11.4pp | 2041.40%-2042.1pp |
| Employer contribution / active EE | $1,455 | $2,021-28.0% | $3,587-59.4% | $2,203-33.9% |
| Participant deferral / active EE | $4,644 | $3,143+47.8% | $4,320+7.5% | $3,192+45.5% |
| Admin fee / account holder | $765 | $4,264-82.1% | $6,269-87.8% | $4,297-82.2% |