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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 | $17,125 | $45,438-62.3% | $80,004-78.6% | $59,633-71.3% |
| Participation rate | 95.1% | 63.7%+31.4pp | 73.0%+22.1pp | 68.7%+26.5pp |
| Annual return | -0.79% | 5.10%-5.9pp | 7.63%-8.4pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $1,708 | $1,236+38.2% | $2,473-30.9% | $2,203-22.5% |
| Participant deferral / active EE | $2,844 | $2,231+27.5% | $3,204-11.2% | $3,192-10.9% |
| Admin fee / account holder | $978 | $3,464-71.8% | $5,033-80.6% | $4,297-77.2% |