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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 | $32,698 | $65,704-50.2% | $94,229-65.3% | $59,633-45.2% |
| Participation rate | 90.4% | 72.1%+18.3pp | 78.8%+11.6pp | 68.7%+21.7pp |
| Annual return | -1.50% | 5.22%-6.7pp | 10.68%-12.2pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $2,844 | $2,021+40.8% | $3,587-20.7% | $2,203+29.1% |
| Participant deferral / active EE | $4,792 | $3,143+52.5% | $4,320+10.9% | $3,192+50.1% |
| Admin fee / account holder | $381 | $4,265-91.1% | $6,269-93.9% | $4,297-91.1% |