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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 | $33,093 | $62,589-47.1% | $76,768-56.9% | $64,173-48.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -6.47% | -1.95%-4.5pp | 2.43%-8.9pp | 7.63%-14.1pp |
| Employer contribution / active EE | $1,364 | $1,832-25.5% | $2,485-45.1% | $2,381-42.7% |
| Participant deferral / active EE | $5,109 | $3,145+62.5% | $3,852+32.7% | $3,470+47.3% |
| Admin fee / account holder | $928 | $4,667-80.1% | $6,675-86.1% | $4,887-81.0% |