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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 | $50,695 | $95,188-46.7% | $76,518-33.7% | $135,379-62.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | 0.96% | 4.85%-3.9pp | -0.27%+1.2pp | 519.79%-518.8pp |
| Employer contribution / active EE | $6,068 | $3,303+83.7% | $2,647+129.2% | $4,779+27.0% |
| Participant deferral / active EE | $3,937 | $4,640-15.1% | $3,836+2.6% | $5,609-29.8% |
| Admin fee / account holder | $4,694 | $6,249-24.9% | $4,849-3.2% | $10,828-56.7% |