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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 | $34,979 | $52,678-33.6% | $75,784-53.8% | $59,633-41.3% |
| Participation rate | 92.6% | 67.2%+25.4pp | 75.8%+16.8pp | 68.7%+23.9pp |
| Annual return | -0.56% | 2.95%-3.5pp | 9.68%-10.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $3,796 | $2,193+73.1% | $3,323+14.2% | $2,203+72.3% |
| Participant deferral / active EE | $2,729 | $2,591+5.3% | $3,652-25.3% | $3,192-14.5% |
| Admin fee / account holder | $2,001 | $3,610-44.6% | $5,300-62.3% | $4,297-53.4% |