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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 | $48,240 | $100,792-52.1% | $86,691-44.4% | $134,509-64.1% |
| Participation rate | 100.0% | 78.9%+21.1pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -15.42% | 29.08%-44.5pp | 35.94%-51.4pp | 418.13%-433.6pp |
| Employer contribution / active EE | $2,287 | $3,491-34.5% | $2,837-19.4% | $4,741-51.7% |
| Participant deferral / active EE | $4,326 | $5,339-19.0% | $4,656-7.1% | $6,400-32.4% |
| Admin fee / account holder | $622 | $10,924-94.3% | $7,492-91.7% | $11,427-94.6% |