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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 | $33,063 | $84,518-60.9% | $67,704-51.2% | $125,389-73.6% |
| Participation rate | 81.8% | 74.8%+7.0pp | 67.5%+14.3pp | 83.2%-1.4pp |
| Annual return | -1.10% | 2.57%-3.7pp | 25.41%-26.5pp | 282.24%-283.3pp |
| Employer contribution / active EE | $2,399 | $3,292-27.1% | $2,559-6.3% | $4,866-50.7% |
| Participant deferral / active EE | $2,410 | $4,430-45.6% | $3,585-32.8% | $5,352-55.0% |
| Admin fee / account holder | $367 | $5,340-93.1% | $4,255-91.4% | $9,541-96.2% |