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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 | $34,870 | $73,848-52.8% | $143,799-75.8% | $68,486-49.1% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -18.87% | 0.91%-19.8pp | -0.04%-18.8pp | -7.85%-11.0pp |
| Employer contribution / active EE | $7,445 | $3,184+133.8% | $4,952+50.3% | $2,597+186.7% |
| Participant deferral / active EE | $5,284 | $3,385+56.1% | $5,638-6.3% | $4,028+31.2% |
| Admin fee / account holder | $2,330 | $5,755-59.5% | $14,677-84.1% | $5,404-56.9% |