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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 | $48,594 | $59,813-18.8% | $79,580-38.9% | $68,486-29.0% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.5%+30.5pp | 67.9%+32.1pp |
| Annual return | -12.89% | -12.30%-0.6pp | 0.15%-13.0pp | -7.85%-5.0pp |
| Employer contribution / active EE | $8,193 | $1,505+444.3% | $2,413+239.5% | $2,597+215.5% |
| Participant deferral / active EE | $7,497 | $3,024+147.9% | $3,985+88.1% | $4,028+86.2% |
| Admin fee / account holder | $1,972 | $4,835-59.2% | $6,835-71.1% | $5,404-63.5% |