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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 | $20,699 | $45,872-54.9% | $77,081-73.1% | $68,495-69.8% |
| Participation rate | 98.3% | 55.9%+42.4pp | 67.9%+30.4pp | 67.9%+30.4pp |
| Annual return | 0.35% | 1.73%-1.4pp | 42.33%-42.0pp | -7.84%+8.2pp |
| Employer contribution / active EE | $4,425 | $1,650+168.3% | $2,813+57.3% | $2,596+70.4% |
| Participant deferral / active EE | $8,085 | $2,963+172.9% | $4,428+82.6% | $4,028+100.7% |
| Admin fee / account holder | $1,202 | $3,041-60.5% | $5,427-77.9% | $5,403-77.8% |