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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 | $49,064 | $49,177-0.2% | $79,466-38.3% | $64,173-23.5% |
| Participation rate | 98.5% | 65.0%+33.5pp | 73.3%+25.2pp | 69.6%+29.0pp |
| Annual return | -5.57% | -1.16%-4.4pp | 718.28%-723.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $4,597 | $2,076+121.4% | $2,800+64.2% | $2,381+93.1% |
| Participant deferral / active EE | $1,858 | $2,821-34.2% | $3,704-49.8% | $3,470-46.5% |
| Admin fee / account holder | $696 | $3,839-81.9% | $5,104-86.4% | $4,887-85.8% |