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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 | $29,611 | $77,816-61.9% | $123,552-76.0% | $64,173-53.9% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -3.46% | 12.49%-15.9pp | 119.20%-122.7pp | 7.63%-11.1pp |
| Employer contribution / active EE | $10,107 | $3,014+235.3% | $4,628+118.4% | $2,381+324.5% |
| Participant deferral / active EE | $2,471 | $5,240-52.8% | $6,426-61.5% | $3,470-28.8% |
| Admin fee / account holder | $1,917 | $5,519-65.3% | $9,285-79.4% | $4,887-60.8% |