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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 | $24,954 | $62,589-60.1% | $76,768-67.5% | $64,173-61.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -6.24% | -1.95%-4.3pp | 2.43%-8.7pp | 7.63%-13.9pp |
| Employer contribution / active EE | $2,267 | $1,832+23.7% | $2,485-8.8% | $2,381-4.8% |
| Participant deferral / active EE | $3,448 | $3,145+9.7% | $3,852-10.5% | $3,470-0.6% |
| Admin fee / account holder | $970 | $4,667-79.2% | $6,675-85.5% | $4,887-80.1% |