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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 | $45,046 | $77,976-42.2% | $81,367-44.6% | $125,389-64.1% |
| Participation rate | 100.0% | 83.3%+16.7pp | 82.3%+17.7pp | 83.2%+16.8pp |
| Annual return | -2.55% | -2.85%+0.3pp | -0.92%-1.6pp | 282.24%-284.8pp |
| Employer contribution / active EE | $1,623 | $4,366-62.8% | $3,930-58.7% | $4,866-66.7% |
| Participant deferral / active EE | $3,395 | $5,646-39.9% | $5,383-36.9% | $5,352-36.6% |
| Admin fee / account holder | $533 | $12,476-95.7% | $8,926-94.0% | $9,541-94.4% |