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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 | $52,129 | $77,816-33.0% | $123,552-57.8% | $64,173-18.8% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -8.07% | 12.49%-20.6pp | 119.20%-127.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $2,096 | $3,014-30.5% | $4,628-54.7% | $2,381-12.0% |
| Participant deferral / active EE | $5,080 | $5,240-3.1% | $6,426-20.9% | $3,470+46.4% |
| Admin fee / account holder | $787 | $5,519-85.7% | $9,285-91.5% | $4,887-83.9% |