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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 | $40,775 | $58,587-30.4% | $83,322-51.1% | $64,173-36.5% |
| Participation rate | 100.0% | 72.0%+28.0pp | 77.8%+22.2pp | 69.6%+30.4pp |
| Annual return | -8.12% | 9.65%-17.8pp | 10.64%-18.8pp | 7.63%-15.8pp |
| Employer contribution / active EE | $3,267 | $2,098+55.7% | $3,379-3.3% | $2,381+37.2% |
| Participant deferral / active EE | $1,983 | $4,654-57.4% | $5,565-64.4% | $3,470-42.8% |
| Admin fee / account holder | $593 | $9,279-93.6% | $7,540-92.1% | $4,887-87.9% |