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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 | $43,973 | $50,947-13.7% | $74,551-41.0% | $64,173-31.5% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -0.99% | -1.85%+0.9pp | 32.53%-33.5pp | 7.63%-8.6pp |
| Employer contribution / active EE | $3,195 | $1,115+186.4% | $1,961+62.9% | $2,381+34.2% |
| Participant deferral / active EE | $5,807 | $2,302+152.3% | $3,108+86.8% | $3,470+67.4% |
| Admin fee / account holder | $653 | $4,221-84.5% | $5,059-87.1% | $4,887-86.6% |