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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 | $25,134 | $73,839-66.0% | $143,788-82.5% | $68,495-63.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -16.58% | 1.01%-17.6pp | -0.03%-16.5pp | -7.84%-8.7pp |
| Employer contribution / active EE | $3,849 | $3,184+20.9% | $4,952-22.3% | $2,596+48.3% |
| Participant deferral / active EE | $1,611 | $3,384-52.4% | $5,638-71.4% | $4,028-60.0% |
| Admin fee / account holder | $507 | $5,755-91.2% | $14,675-96.5% | $5,403-90.6% |