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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 | $25,081 | $71,878-65.1% | $86,698-71.1% | $68,486-63.4% |
| Participation rate | 91.8% | 72.2%+19.6pp | 76.6%+15.2pp | 67.9%+23.9pp |
| Annual return | -10.80% | 3.53%-14.3pp | 35.95%-46.7pp | -7.85%-2.9pp |
| Employer contribution / active EE | $1,694 | $2,173-22.1% | $2,837-40.3% | $2,597-34.8% |
| Participant deferral / active EE | $2,423 | $3,779-35.9% | $4,656-48.0% | $4,028-39.8% |
| Admin fee / account holder | $614 | $6,113-90.0% | $7,493-91.8% | $5,404-88.6% |