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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 | $28,805 | $53,162-45.8% | $91,227-68.4% | $68,490-57.9% |
| Participation rate | 94.6% | 63.2%+31.4pp | 73.2%+21.4pp | 67.9%+26.7pp |
| Annual return | 18.13% | -3.14%+21.3pp | 114.14%-96.0pp | -7.85%+26.0pp |
| Employer contribution / active EE | $2,884 | $1,709+68.7% | $2,851+1.1% | $2,597+11.1% |
| Participant deferral / active EE | $5,947 | $2,974+100.0% | $4,234+40.5% | $4,028+47.6% |
| Admin fee / account holder | $1,344 | $4,493-70.1% | $5,423-75.2% | $5,403-75.1% |