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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 | $31,443 | $99,032-68.2% | $80,022-60.7% | $135,380-76.8% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -8.44% | 15.39%-23.8pp | 11.22%-19.7pp | 519.81%-528.2pp |
| Employer contribution / active EE | $4,625 | $3,043+52.0% | $2,468+87.4% | $4,779-3.2% |
| Participant deferral / active EE | $3,158 | $4,282-26.2% | $3,686-14.3% | $5,609-43.7% |
| Admin fee / account holder | $1,938 | $10,436-81.4% | $6,521-70.3% | $10,828-82.1% |