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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 | $23,389 | $46,697-49.9% | $117,533-80.1% | $68,486-65.8% |
| Participation rate | 100.0% | 56.8%+43.2pp | 70.6%+29.4pp | 67.9%+32.1pp |
| Annual return | -2.34% | -14.52%+12.2pp | 29.77%-32.1pp | -7.85%+5.5pp |
| Employer contribution / active EE | $3,126 | $1,506+107.6% | $4,179-25.2% | $2,597+20.4% |
| Participant deferral / active EE | $7,577 | $2,637+187.3% | $4,072+86.1% | $4,028+88.1% |
| Admin fee / account holder | $811 | $4,023-79.8% | $5,647-85.6% | $5,404-85.0% |