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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 | $40,009 | $73,863-45.8% | $143,797-72.2% | $68,490-41.6% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -14.39% | 0.91%-15.3pp | -0.04%-14.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $1,028 | $3,185-67.7% | $4,952-79.2% | $2,597-60.4% |
| Participant deferral / active EE | $2,015 | $3,385-40.5% | $5,638-64.3% | $4,028-50.0% |
| Admin fee / account holder | $1,296 | $5,756-77.5% | $14,679-91.2% | $5,403-76.0% |