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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 | $31,301 | $54,380-42.4% | $68,509-54.3% | $59,633-47.5% |
| Participation rate | 91.4% | 70.2%+21.2pp | 74.7%+16.6pp | 68.7%+22.7pp |
| Annual return | -1.42% | 2.83%-4.3pp | 8.27%-9.7pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $1,845 | $1,539+19.9% | $2,278-19.0% | $2,203-16.2% |
| Participant deferral / active EE | $3,326 | $2,643+25.8% | $3,382-1.7% | $3,192+4.2% |
| Admin fee / account holder | $1,748 | $3,885-55.0% | $5,275-66.9% | $4,297-59.3% |