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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 | $36,563 | $95,188-61.6% | $76,518-52.2% | $135,379-73.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -4.28% | 4.85%-9.1pp | -0.27%-4.0pp | 519.79%-524.1pp |
| Employer contribution / active EE | $2,827 | $3,303-14.4% | $2,647+6.8% | $4,779-40.8% |
| Participant deferral / active EE | $6,639 | $4,640+43.1% | $3,836+73.1% | $5,609+18.4% |
| Admin fee / account holder | $6,528 | $6,249+4.5% | $4,849+34.6% | $10,828-39.7% |