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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 | $22,007 | $48,267-54.4% | $68,808-68.0% | $68,486-67.9% |
| Participation rate | 97.2% | 60.7%+36.6pp | 69.0%+28.2pp | 67.9%+29.3pp |
| Annual return | -3.08% | -12.70%+9.6pp | -6.37%+3.3pp | -7.85%+4.8pp |
| Employer contribution / active EE | $5,046 | $1,829+175.9% | $2,656+90.0% | $2,597+94.3% |
| Participant deferral / active EE | $11,263 | $2,867+292.9% | $3,942+185.7% | $4,028+179.7% |
| Admin fee / account holder | $7,437 | $4,362+70.5% | $4,936+50.7% | $5,404+37.6% |