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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 | $38,371 | $47,977-20.0% | $154,108-75.1% | $56,289-31.8% |
| Participation rate | 99.0% | 66.2%+32.8pp | 83.0%+16.0pp | 69.9%+29.2pp |
| Annual return | -5.07% | 3.54%-8.6pp | 735.21%-740.3pp | -9.96%+4.9pp |
| Employer contribution / active EE | $4,400 | $2,169+102.9% | $5,298-16.9% | $2,111+108.4% |
| Participant deferral / active EE | $2,566 | $2,392+7.3% | $5,081-49.5% | $3,350-23.4% |
| Admin fee / account holder | $1,335 | $438+204.7% | $13,411-90.0% | $521+156.3% |