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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 | $38,113 | $56,484-32.5% | $169,452-77.5% | $64,173-40.6% |
| Participation rate | 100.0% | 64.5%+35.5pp | 77.8%+22.2pp | 69.6%+30.4pp |
| Annual return | -3.28% | -1.55%-1.7pp | 1.83%-5.1pp | 7.63%-10.9pp |
| Employer contribution / active EE | $2,884 | $1,832+57.4% | $4,157-30.6% | $2,381+21.1% |
| Participant deferral / active EE | $5,588 | $3,448+62.1% | $5,277+5.9% | $3,470+61.1% |
| Admin fee / account holder | $10,493 | $4,174+151.4% | $9,110+15.2% | $4,887+114.7% |