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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 | $39,898 | $75,935-47.5% | $60,547-34.1% | $125,389-68.2% |
| Participation rate | 100.0% | 76.5%+23.5pp | 68.0%+32.0pp | 83.2%+16.8pp |
| Annual return | -2.26% | -5.38%+3.1pp | 335.64%-337.9pp | 282.24%-284.5pp |
| Employer contribution / active EE | $1,927 | $3,438-44.0% | $2,419-20.4% | $4,866-60.4% |
| Participant deferral / active EE | $2,802 | $4,506-37.8% | $3,328-15.8% | $5,352-47.6% |
| Admin fee / account holder | $720 | $6,768-89.4% | $4,536-84.1% | $9,541-92.5% |