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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 | $27,250 | $73,863-63.1% | $143,797-81.0% | $68,490-60.2% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -18.28% | 0.91%-19.2pp | -0.04%-18.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $2,259 | $3,185-29.1% | $4,952-54.4% | $2,597-13.0% |
| Participant deferral / active EE | $4,689 | $3,385+38.5% | $5,638-16.8% | $4,028+16.4% |
| Admin fee / account holder | $448 | $5,756-92.2% | $14,679-97.0% | $5,403-91.7% |