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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 | $48,701 | $158,852-69.3% | $121,220-59.8% | $135,380-64.0% |
| Participation rate | 100.0% | 79.3%+20.7pp | 71.8%+28.2pp | 82.6%+17.4pp |
| Annual return | -5.12% | -0.64%-4.5pp | 16.94%-22.1pp | 519.81%-524.9pp |
| Employer contribution / active EE | $2,625 | $5,666-53.7% | $4,023-34.8% | $4,779-45.1% |
| Participant deferral / active EE | $9,100 | $4,006+127.2% | $3,345+172.0% | $5,609+62.2% |
| Admin fee / account holder | $349 | $6,515-94.6% | $5,021-93.1% | $10,828-96.8% |