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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 | $19,124 | $48,267-60.4% | $68,808-72.2% | $68,486-72.1% |
| Participation rate | 94.4% | 60.7%+33.7pp | 69.0%+25.3pp | 67.9%+26.5pp |
| Annual return | -17.21% | -12.70%-4.5pp | -6.37%-10.8pp | -7.85%-9.4pp |
| Employer contribution / active EE | $2,252 | $1,829+23.1% | $2,656-15.2% | $2,597-13.3% |
| Participant deferral / active EE | $3,169 | $2,867+10.5% | $3,942-19.6% | $4,028-21.3% |
| Admin fee / account holder | $1,741 | $4,362-60.1% | $4,936-64.7% | $5,404-67.8% |