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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 | $38,692 | $49,280-21.5% | $67,313-42.5% | $64,173-39.7% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -2.71% | -1.39%-1.3pp | -4.08%+1.4pp | 7.63%-10.3pp |
| Employer contribution / active EE | $3,618 | $1,668+116.9% | $2,566+41.0% | $2,381+52.0% |
| Participant deferral / active EE | $1,666 | $2,484-32.9% | $3,568-53.3% | $3,470-52.0% |
| Admin fee / account holder | $875 | $3,863-77.3% | $4,507-80.6% | $4,887-82.1% |