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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 | $27,735 | $97,027-71.4% | $83,323-66.7% | $135,382-79.5% |
| Participation rate | 100.0% | 80.4%+19.6pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -7.90% | 12.31%-20.2pp | 10.63%-18.5pp | 519.77%-527.7pp |
| Employer contribution / active EE | $3,821 | $4,143-7.8% | $3,379+13.1% | $4,779-20.0% |
| Participant deferral / active EE | $6,049 | $5,964+1.4% | $5,565+8.7% | $5,609+7.8% |
| Admin fee / account holder | $679 | $8,427-91.9% | $7,539-91.0% | $10,829-93.7% |