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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 | $51,387 | $113,935-54.9% | $94,224-45.5% | $125,393-59.0% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | 1.25% | 5.29%-4.0pp | 10.68%-9.4pp | 282.23%-281.0pp |
| Employer contribution / active EE | $2,806 | $4,727-40.6% | $3,587-21.8% | $4,866-42.3% |
| Participant deferral / active EE | $5,856 | $5,179+13.1% | $4,320+35.6% | $5,351+9.4% |
| Admin fee / account holder | $381 | $8,391-95.5% | $6,269-93.9% | $9,541-96.0% |