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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 | $24,689 | $42,383-41.7% | $76,518-67.7% | $64,173-61.5% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | -6.56% | -16.54%+10.0pp | -0.27%-6.3pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,975 | $1,563+26.3% | $2,647-25.4% | $2,381-17.0% |
| Participant deferral / active EE | $3,035 | $2,566+18.3% | $3,836-20.9% | $3,470-12.5% |
| Admin fee / account holder | $1,788 | $3,198-44.1% | $4,849-63.1% | $4,887-63.4% |