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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 | $47,909 | $62,583-23.4% | $76,767-37.6% | $64,173-25.3% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -6.53% | -1.95%-4.6pp | 2.43%-9.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $4,228 | $1,832+130.8% | $2,485+70.1% | $2,381+77.6% |
| Participant deferral / active EE | $3,674 | $3,145+16.8% | $3,852-4.6% | $3,470+5.9% |
| Admin fee / account holder | $2,680 | $4,667-42.6% | $6,675-59.8% | $4,887-45.2% |