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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 | $160,423 | $73,848+117.2% | $143,799+11.6% | $68,486+134.2% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -19.16% | 0.91%-20.1pp | -0.04%-19.1pp | -7.85%-11.3pp |
| Employer contribution / active EE | $3,800 | $3,184+19.3% | $4,952-23.3% | $2,597+46.3% |
| Participant deferral / active EE | $4,310 | $3,385+27.3% | $5,638-23.6% | $4,028+7.0% |
| Admin fee / account holder | $2,897 | $5,755-49.7% | $14,677-80.3% | $5,404-46.4% |