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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 | $39,933 | $64,729-38.3% | $112,263-64.4% | $68,490-41.7% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -18.83% | -11.40%-7.4pp | 27.49%-46.3pp | -7.85%-11.0pp |
| Employer contribution / active EE | $3,590 | $2,746+30.7% | $3,636-1.3% | $2,597+38.3% |
| Participant deferral / active EE | $4,837 | $3,566+35.7% | $4,729+2.3% | $4,028+20.1% |
| Admin fee / account holder | $929 | $5,222-82.2% | $6,410-85.5% | $5,403-82.8% |