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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 | $71,570 | $50,947+40.5% | $74,551-4.0% | $64,173+11.5% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -3.97% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $2,000 | $1,115+79.3% | $1,961+2.0% | $2,381-16.0% |
| Participant deferral / active EE | $1,672 | $2,302-27.4% | $3,108-46.2% | $3,470-51.8% |
| Admin fee / account holder | $1,419 | $4,221-66.4% | $5,059-71.9% | $4,887-71.0% |