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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 | $21,762 | $72,177-69.8% | $115,037-81.1% | $59,633-63.5% |
| Participation rate | 96.9% | 72.6%+24.3pp | 81.4%+15.5pp | 68.7%+28.2pp |
| Annual return | -1.98% | 12.02%-14.0pp | 26.14%-28.1pp | 2041.40%-2043.4pp |
| Employer contribution / active EE | $1,801 | $2,841-36.6% | $4,608-60.9% | $2,203-18.2% |
| Participant deferral / active EE | $4,934 | $4,783+3.2% | $6,026-18.1% | $3,192+54.6% |
| Admin fee / account holder | $2,933 | $4,927-40.5% | $8,175-64.1% | $4,297-31.8% |