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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 | $45,895 | $42,910+7.0% | $60,919-24.7% | $68,490-33.0% |
| Participation rate | 100.0% | 66.8%+33.2pp | 73.1%+26.9pp | 67.9%+32.1pp |
| Annual return | -17.49% | -13.99%-3.5pp | 16.96%-34.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $11,065 | $1,978+459.3% | $2,704+309.2% | $2,597+326.1% |
| Participant deferral / active EE | $4,204 | $2,866+46.7% | $3,814+10.2% | $4,028+4.4% |
| Admin fee / account holder | $1,879 | $3,104-39.5% | $3,228-41.8% | $5,403-65.2% |