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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 | $48,483 | $83,908-42.2% | $68,509-29.2% | $125,393-61.3% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | -1.20% | 14.48%-15.7pp | 8.27%-9.5pp | 282.23%-283.4pp |
| Employer contribution / active EE | $1,986 | $3,031-34.5% | $2,278-12.8% | $4,866-59.2% |
| Participant deferral / active EE | $6,840 | $4,125+65.8% | $3,382+102.2% | $5,351+27.8% |
| Admin fee / account holder | $386 | $8,982-95.7% | $5,275-92.7% | $9,541-96.0% |