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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 | $68,014 | $73,867-7.9% | $143,770-52.7% | $68,498-0.7% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -18.77% | 1.01%-19.8pp | -0.04%-18.7pp | -7.84%-10.9pp |
| Employer contribution / active EE | $2,486 | $3,184-21.9% | $4,951-49.8% | $2,596-4.3% |
| Participant deferral / active EE | $6,146 | $3,384+81.6% | $5,638+9.0% | $4,027+52.6% |
| Admin fee / account holder | $768 | $5,755-86.7% | $14,673-94.8% | $5,403-85.8% |