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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 | $34,089 | $54,162-37.1% | $68,612-50.3% | $64,173-46.9% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.2%+27.8pp | 69.6%+30.4pp |
| Annual return | -6.81% | -1.62%-5.2pp | -4.63%-2.2pp | 7.63%-14.4pp |
| Employer contribution / active EE | $902 | $1,846-51.1% | $2,625-65.6% | $2,381-62.1% |
| Participant deferral / active EE | $1,476 | $2,626-43.8% | $3,311-55.4% | $3,470-57.5% |
| Admin fee / account holder | $827 | $4,029-79.5% | $5,131-83.9% | $4,887-83.1% |