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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 | $46,559 | $42,383+9.9% | $76,518-39.2% | $64,173-27.4% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | -4.55% | -16.54%+12.0pp | -0.27%-4.3pp | 7.63%-12.2pp |
| Employer contribution / active EE | $4,608 | $1,563+194.8% | $2,647+74.1% | $2,381+93.5% |
| Participant deferral / active EE | $3,499 | $2,566+36.3% | $3,836-8.8% | $3,470+0.8% |
| Admin fee / account holder | $1,713 | $3,198-46.4% | $4,849-64.7% | $4,887-64.9% |