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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 | $53,192 | $73,863-28.0% | $143,797-63.0% | $68,490-22.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -16.28% | 0.91%-17.2pp | -0.04%-16.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $4,410 | $3,185+38.5% | $4,952-11.0% | $2,597+69.8% |
| Participant deferral / active EE | $5,789 | $3,385+71.0% | $5,638+2.7% | $4,028+43.7% |
| Admin fee / account holder | $1,257 | $5,756-78.2% | $14,679-91.4% | $5,403-76.7% |