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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 | $24,879 | $53,162-53.2% | $91,225-72.7% | $68,495-63.7% |
| Participation rate | 95.7% | 63.2%+32.4pp | 73.2%+22.5pp | 67.9%+27.8pp |
| Annual return | -9.36% | -3.14%-6.2pp | 114.10%-123.5pp | -7.84%-1.5pp |
| Employer contribution / active EE | $3,112 | $1,709+82.1% | $2,851+9.2% | $2,596+19.9% |
| Participant deferral / active EE | $5,742 | $2,974+93.1% | $4,234+35.6% | $4,028+42.6% |
| Admin fee / account holder | $3,628 | $4,493-19.3% | $5,422-33.1% | $5,403-32.9% |