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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 | $46,689+1.7% | $117,498-59.6% | $68,495-30.7% |
| Participation rate | 98.6% | 56.8%+41.8pp | 70.6%+28.0pp | 67.9%+30.7pp |
| Annual return | -18.79% | -14.52%-4.3pp | 29.75%-48.5pp | -7.84%-11.0pp |
| Employer contribution / active EE | $3,778 | $1,505+151.0% | $4,178-9.6% | $2,596+45.5% |
| Participant deferral / active EE | $10,195 | $2,637+286.6% | $4,071+150.4% | $4,028+153.1% |
| Admin fee / account holder | $459 | $4,021-88.6% | $5,646-91.9% | $5,403-91.5% |