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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 | $32,110 | $99,032-67.6% | $80,022-59.9% | $135,380-76.3% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -5.25% | 15.39%-20.6pp | 11.22%-16.5pp | 519.81%-525.1pp |
| Employer contribution / active EE | $4,496 | $3,043+47.7% | $2,468+82.2% | $4,779-5.9% |
| Participant deferral / active EE | $3,537 | $4,282-17.4% | $3,686-4.0% | $5,609-36.9% |
| Admin fee / account holder | $11,271 | $10,436+8.0% | $6,521+72.8% | $10,828+4.1% |