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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 | $30,260 | $72,177-58.1% | $115,038-73.7% | $59,633-49.3% |
| Participation rate | 96.7% | 72.6%+24.1pp | 81.4%+15.3pp | 68.7%+28.0pp |
| Annual return | -1.56% | 12.02%-13.6pp | 26.14%-27.7pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $3,362 | $2,841+18.3% | $4,608-27.0% | $2,203+52.6% |
| Participant deferral / active EE | $9,161 | $4,783+91.5% | $6,026+52.0% | $3,192+187.0% |
| Admin fee / account holder | $894 | $4,927-81.8% | $8,175-89.1% | $4,297-79.2% |