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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 | $25,339 | $61,660-58.9% | $80,022-68.3% | $64,173-60.5% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -7.13% | -0.33%-6.8pp | 11.22%-18.4pp | 7.63%-14.8pp |
| Employer contribution / active EE | $3,930 | $1,810+117.1% | $2,468+59.2% | $2,381+65.1% |
| Participant deferral / active EE | $2,776 | $2,968-6.5% | $3,686-24.7% | $3,470-20.0% |
| Admin fee / account holder | $305 | $5,417-94.4% | $6,521-95.3% | $4,887-93.8% |