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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 | $33,712 | $77,817-56.7% | $123,553-72.7% | $64,173-47.5% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -7.68% | 12.49%-20.2pp | 119.21%-126.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $3,629 | $3,014+20.4% | $4,628-21.6% | $2,381+52.4% |
| Participant deferral / active EE | $6,940 | $5,240+32.4% | $6,426+8.0% | $3,470+100.0% |
| Admin fee / account holder | $1,642 | $5,519-70.3% | $9,284-82.3% | $4,887-66.4% |