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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 | $58,784 | $42,910+37.0% | $60,919-3.5% | $68,490-14.2% |
| Participation rate | 100.0% | 66.8%+33.2pp | 73.1%+26.9pp | 67.9%+32.1pp |
| Annual return | -14.14% | -13.99%-0.1pp | 16.96%-31.1pp | -7.85%-6.3pp |
| Employer contribution / active EE | $10,596 | $1,978+435.6% | $2,704+291.9% | $2,597+308.1% |
| Participant deferral / active EE | $5,117 | $2,866+78.6% | $3,814+34.2% | $4,028+27.0% |
| Admin fee / account holder | $1,909 | $3,104-38.5% | $3,228-40.9% | $5,403-64.7% |