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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 | $11,881 | $48,267-75.4% | $68,808-82.7% | $68,486-82.7% |
| Participation rate | 100.0% | 60.7%+39.3pp | 69.0%+31.0pp | 67.9%+32.1pp |
| Annual return | -13.73% | -12.70%-1.0pp | -6.37%-7.4pp | -7.85%-5.9pp |
| Employer contribution / active EE | $2,987 | $1,829+63.3% | $2,656+12.5% | $2,597+15.0% |
| Participant deferral / active EE | $1,848 | $2,867-35.5% | $3,942-53.1% | $4,028-54.1% |
| Admin fee / account holder | $451 | $4,362-89.7% | $4,936-90.9% | $5,404-91.6% |