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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 | $26,718 | $81,870-67.4% | $119,622-77.7% | $68,486-61.0% |
| Participation rate | 100.0% | 71.9%+28.1pp | 79.3%+20.7pp | 67.9%+32.1pp |
| Annual return | -16.43% | -23.82%+7.4pp | -14.98%-1.4pp | -7.85%-8.6pp |
| Employer contribution / active EE | $2,267 | $2,692-15.8% | $4,232-46.4% | $2,597-12.7% |
| Participant deferral / active EE | $4,419 | $4,148+6.5% | $5,601-21.1% | $4,028+9.7% |
| Admin fee / account holder | $1,437 | $6,583-78.2% | $10,328-86.1% | $5,404-73.4% |