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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 | $35,381 | $73,839-52.1% | $143,788-75.4% | $68,495-48.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -15.71% | 1.01%-16.7pp | -0.03%-15.7pp | -7.84%-7.9pp |
| Employer contribution / active EE | $1,472 | $3,184-53.8% | $4,952-70.3% | $2,596-43.3% |
| Participant deferral / active EE | $1,305 | $3,384-61.4% | $5,638-76.9% | $4,028-67.6% |
| Admin fee / account holder | $4,597 | $5,755-20.1% | $14,675-68.7% | $5,403-14.9% |