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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 | $33,892 | $72,177-53.0% | $115,038-70.5% | $59,633-43.2% |
| Participation rate | 96.3% | 72.6%+23.7pp | 81.4%+14.9pp | 68.7%+27.6pp |
| Annual return | -0.96% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $2,601 | $2,841-8.4% | $4,608-43.5% | $2,203+18.1% |
| Participant deferral / active EE | $4,087 | $4,783-14.5% | $6,026-32.2% | $3,192+28.1% |
| Admin fee / account holder | $1,030 | $4,927-79.1% | $8,175-87.4% | $4,297-76.0% |