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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 | $43,447 | $97,020-55.2% | $83,322-47.9% | $135,379-67.9% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -6.90% | 12.31%-19.2pp | 10.64%-17.5pp | 519.79%-526.7pp |
| Employer contribution / active EE | $3,818 | $4,144-7.8% | $3,379+13.0% | $4,779-20.1% |
| Participant deferral / active EE | $8,272 | $5,964+38.7% | $5,565+48.6% | $5,609+47.5% |
| Admin fee / account holder | $1,199 | $8,426-85.8% | $7,540-84.1% | $10,828-88.9% |