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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 | $26,504 | $49,280-46.2% | $67,313-60.6% | $64,173-58.7% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -3.86% | -1.39%-2.5pp | -4.08%+0.2pp | 7.63%-11.5pp |
| Employer contribution / active EE | $3,855 | $1,668+131.1% | $2,566+50.3% | $2,381+61.9% |
| Participant deferral / active EE | $1,792 | $2,484-27.8% | $3,568-49.8% | $3,470-48.3% |
| Admin fee / account holder | $2,981 | $3,863-22.8% | $4,507-33.8% | $4,887-39.0% |