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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 | $38,404 | $42,383-9.4% | $76,523-49.8% | $64,181-40.2% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | -6.35% | -16.54%+10.2pp | -0.27%-6.1pp | 7.63%-14.0pp |
| Employer contribution / active EE | $5,298 | $1,563+238.9% | $2,647+100.1% | $2,381+122.5% |
| Participant deferral / active EE | $2,968 | $2,566+15.7% | $3,835-22.6% | $3,470-14.4% |
| Admin fee / account holder | $763 | $3,198-76.2% | $4,848-84.3% | $4,887-84.4% |