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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 | $16,968 | $52,678-67.8% | $75,784-77.6% | $59,633-71.5% |
| Participation rate | 95.2% | 67.2%+27.9pp | 75.8%+19.3pp | 68.7%+26.5pp |
| Annual return | -2.03% | 2.95%-5.0pp | 9.68%-11.7pp | 2041.40%-2043.4pp |
| Employer contribution / active EE | $1,424 | $2,193-35.1% | $3,323-57.1% | $2,203-35.3% |
| Participant deferral / active EE | $2,537 | $2,591-2.1% | $3,652-30.5% | $3,192-20.5% |
| Admin fee / account holder | $1,162 | $3,610-67.8% | $5,300-78.1% | $4,297-73.0% |