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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 | $18,120 | $31,109-41.8% | $67,704-73.2% | $52,331-65.4% |
| Participation rate | 77.5% | 54.0%+23.5pp | 67.5%+10.0pp | 68.1%+9.4pp |
| Annual return | -0.91% | 23.70%-24.6pp | 25.41%-26.3pp | 4.54%-5.4pp |
| Employer contribution / active EE | $5,151 | $1,076+378.8% | $2,559+101.2% | $1,882+173.7% |
| Participant deferral / active EE | $1,377 | $1,970-30.1% | $3,585-61.6% | $3,022-54.4% |
| Admin fee / account holder | $2,844 | $466+510.1% | $4,255-33.2% | $592+380.7% |