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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 | $36,127 | $73,863-51.1% | $143,797-74.9% | $68,490-47.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -17.48% | 0.91%-18.4pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $4,013 | $3,185+26.0% | $4,952-19.0% | $2,597+54.5% |
| Participant deferral / active EE | $5,230 | $3,385+54.5% | $5,638-7.2% | $4,028+29.9% |
| Admin fee / account holder | $738 | $5,756-87.2% | $14,679-95.0% | $5,403-86.3% |