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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 | $28,613 | $72,177-60.4% | $115,038-75.1% | $59,633-52.0% |
| Participation rate | 76.7% | 72.6%+4.2pp | 81.4%-4.6pp | 68.7%+8.1pp |
| Annual return | -0.79% | 12.02%-12.8pp | 26.14%-26.9pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $4,326 | $2,841+52.3% | $4,608-6.1% | $2,203+96.4% |
| Participant deferral / active EE | $2,047 | $4,783-57.2% | $6,026-66.0% | $3,192-35.9% |
| Admin fee / account holder | $947 | $4,927-80.8% | $8,175-88.4% | $4,297-78.0% |