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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 | $43,769 | $65,704-33.4% | $94,229-53.5% | $59,633-26.6% |
| Participation rate | 87.9% | 72.1%+15.8pp | 78.8%+9.1pp | 68.7%+19.2pp |
| Annual return | -0.24% | 5.22%-5.5pp | 10.68%-10.9pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $2,447 | $2,021+21.1% | $3,587-31.8% | $2,203+11.1% |
| Participant deferral / active EE | $2,935 | $3,143-6.6% | $4,320-32.1% | $3,192-8.0% |
| Admin fee / account holder | $1,739 | $4,265-59.2% | $6,269-72.3% | $4,297-59.5% |