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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 | $37,657 | $73,839-49.0% | $143,788-73.8% | $68,495-45.0% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -8.21% | 1.01%-9.2pp | -0.03%-8.2pp | -7.84%-0.4pp |
| Employer contribution / active EE | $9,942 | $3,184+212.3% | $4,952+100.8% | $2,596+282.9% |
| Participant deferral / active EE | $4,378 | $3,384+29.4% | $5,638-22.3% | $4,028+8.7% |
| Admin fee / account holder | $3,647 | $5,755-36.6% | $14,675-75.1% | $5,403-32.5% |