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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 | $30,489 | $53,596-43.1% | $90,657-66.4% | $64,173-52.5% |
| Participation rate | 93.9% | 64.5%+29.4pp | 74.0%+19.9pp | 69.6%+24.3pp |
| Annual return | -7.13% | 4.41%-11.5pp | 1.89%-9.0pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,954 | $1,503+30.0% | $2,532-22.8% | $2,381-17.9% |
| Participant deferral / active EE | $2,834 | $2,459+15.3% | $3,424-17.2% | $3,470-18.3% |
| Admin fee / account holder | $1,258 | $3,868-67.5% | $4,994-74.8% | $4,887-74.3% |