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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 | $49,975 | $73,863-32.3% | $143,797-65.2% | $68,490-27.0% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -13.18% | 0.91%-14.1pp | -0.04%-13.1pp | -7.85%-5.3pp |
| Employer contribution / active EE | $4,277 | $3,185+34.3% | $4,952-13.6% | $2,597+64.7% |
| Participant deferral / active EE | $3,744 | $3,385+10.6% | $5,638-33.6% | $4,028-7.0% |
| Admin fee / account holder | $4,830 | $5,756-16.1% | $14,679-67.1% | $5,403-10.6% |