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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 | $38,982 | $50,947-23.5% | $74,549-47.7% | $64,173-39.3% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -4.95% | -1.85%-3.1pp | 32.53%-37.5pp | 7.63%-12.6pp |
| Employer contribution / active EE | $2,815 | $1,115+152.3% | $1,961+43.5% | $2,381+18.2% |
| Participant deferral / active EE | $1,966 | $2,302-14.6% | $3,108-36.7% | $3,470-43.3% |
| Admin fee / account holder | $792 | $4,221-81.2% | $5,059-84.3% | $4,887-83.8% |