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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 | $43,292 | $77,816-44.4% | $123,549-65.0% | $64,181-32.5% |
| Participation rate | 97.1% | 74.7%+22.3pp | 82.3%+14.8pp | 69.6%+27.5pp |
| Annual return | -0.56% | 12.49%-13.0pp | 119.20%-119.8pp | 7.63%-8.2pp |
| Employer contribution / active EE | $4,284 | $3,014+42.1% | $4,628-7.4% | $2,381+79.9% |
| Participant deferral / active EE | $9,115 | $5,240+73.9% | $6,426+41.8% | $3,470+162.7% |
| Admin fee / account holder | $440 | $5,519-92.0% | $9,284-95.3% | $4,887-91.0% |