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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 | $63,250 | $92,219-31.4% | $76,767-17.6% | $135,380-53.3% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.58% | 5.46%-14.0pp | 2.43%-11.0pp | 519.81%-528.4pp |
| Employer contribution / active EE | $2,934 | $3,216-8.8% | $2,485+18.1% | $4,779-38.6% |
| Participant deferral / active EE | $6,882 | $4,508+52.7% | $3,852+78.7% | $5,609+22.7% |
| Admin fee / account holder | $321 | $10,749-97.0% | $6,675-95.2% | $10,828-97.0% |