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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 | $58,763 | $59,819-1.8% | $79,583-26.2% | $68,490-14.2% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.5%+30.5pp | 67.9%+32.1pp |
| Annual return | -18.81% | -12.30%-6.5pp | 0.16%-19.0pp | -7.85%-11.0pp |
| Employer contribution / active EE | $4,598 | $1,505+205.4% | $2,414+90.5% | $2,597+77.1% |
| Participant deferral / active EE | $4,985 | $3,025+64.8% | $3,986+25.1% | $4,028+23.8% |
| Admin fee / account holder | $3,772 | $4,835-22.0% | $6,835-44.8% | $5,403-30.2% |