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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 | $46,069 | $46,697-1.3% | $117,529-60.8% | $68,490-32.7% |
| Participation rate | 100.0% | 56.8%+43.2pp | 70.6%+29.4pp | 67.9%+32.1pp |
| Annual return | -15.60% | -14.52%-1.1pp | 29.77%-45.4pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,064 | $1,506+37.1% | $4,179-50.6% | $2,597-20.5% |
| Participant deferral / active EE | $2,378 | $2,637-9.8% | $4,072-41.6% | $4,028-41.0% |
| Admin fee / account holder | $1,157 | $4,023-71.2% | $5,645-79.5% | $5,403-78.6% |