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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 | $15,427 | $42,383-63.6% | $76,518-79.8% | $64,173-76.0% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | -4.50% | -16.54%+12.0pp | -0.27%-4.2pp | 7.63%-12.1pp |
| Employer contribution / active EE | $3,020 | $1,563+93.2% | $2,647+14.1% | $2,381+26.8% |
| Participant deferral / active EE | $1,355 | $2,566-47.2% | $3,836-64.7% | $3,470-60.9% |
| Admin fee / account holder | $1,295 | $3,198-59.5% | $4,849-73.3% | $4,887-73.5% |