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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 | $37,327 | $64,729-42.3% | $112,263-66.8% | $68,490-45.5% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -16.43% | -11.40%-5.0pp | 27.49%-43.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,023 | $2,746-62.8% | $3,636-71.9% | $2,597-60.6% |
| Participant deferral / active EE | $1,911 | $3,566-46.4% | $4,729-59.6% | $4,028-52.6% |
| Admin fee / account holder | $1,897 | $5,222-63.7% | $6,410-70.4% | $5,403-64.9% |