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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 | $29,256 | $65,092-55.1% | $143,799-79.7% | $66,938-56.3% |
| Participation rate | 98.2% | 65.2%+33.0pp | 80.3%+17.9pp | 69.8%+28.4pp |
| Annual return | -7.90% | -11.14%+3.2pp | -0.04%-7.9pp | 1.58%-9.5pp |
| Employer contribution / active EE | $8,008 | $2,362+239.1% | $4,952+61.7% | $2,545+214.6% |
| Participant deferral / active EE | $14,153 | $2,920+384.7% | $5,638+151.0% | $4,238+233.9% |
| Admin fee / account holder | $2,706 | $502+438.7% | $14,677-81.6% | $594+356.0% |