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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 | $47,495 | $46,697+1.7% | $117,533-59.6% | $68,486-30.6% |
| Participation rate | 98.6% | 56.8%+41.8pp | 70.6%+28.0pp | 67.9%+30.7pp |
| Annual return | -18.79% | -14.52%-4.3pp | 29.77%-48.6pp | -7.85%-10.9pp |
| Employer contribution / active EE | $3,778 | $1,506+150.9% | $4,179-9.6% | $2,597+45.5% |
| Participant deferral / active EE | $10,195 | $2,637+286.6% | $4,072+150.3% | $4,028+153.1% |
| Admin fee / account holder | $459 | $4,023-88.6% | $5,647-91.9% | $5,404-91.5% |