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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 | $28,969 | $73,863-60.8% | $143,797-79.9% | $68,490-57.7% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -7.28% | 0.91%-8.2pp | -0.04%-7.2pp | -7.85%+0.6pp |
| Employer contribution / active EE | $12,759 | $3,185+300.6% | $4,952+157.6% | $2,597+391.4% |
| Participant deferral / active EE | $2,588 | $3,385-23.5% | $5,638-54.1% | $4,028-35.7% |
| Admin fee / account holder | $1,219 | $5,756-78.8% | $14,679-91.7% | $5,403-77.4% |