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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 | $39,470 | $42,917-8.0% | $60,899-35.2% | $68,495-42.4% |
| Participation rate | 100.0% | 66.8%+33.2pp | 73.1%+26.9pp | 67.9%+32.1pp |
| Annual return | -15.06% | -13.99%-1.1pp | 16.92%-32.0pp | -7.84%-7.2pp |
| Employer contribution / active EE | $2,306 | $1,979+16.5% | $2,702-14.7% | $2,596-11.2% |
| Participant deferral / active EE | $3,425 | $2,867+19.5% | $3,817-10.3% | $4,028-15.0% |
| Admin fee / account holder | $713 | $3,102-77.0% | $3,225-77.9% | $5,403-86.8% |