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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 | $41,835 | $45,438-7.9% | $80,004-47.7% | $59,633-29.8% |
| Participation rate | 91.9% | 63.7%+28.2pp | 73.0%+18.9pp | 68.7%+23.3pp |
| Annual return | -0.72% | 5.10%-5.8pp | 7.63%-8.4pp | 2041.40%-2042.1pp |
| Employer contribution / active EE | $2,079 | $1,236+68.2% | $2,473-15.9% | $2,203-5.6% |
| Participant deferral / active EE | $6,058 | $2,231+171.6% | $3,204+89.1% | $3,192+89.8% |
| Admin fee / account holder | $575 | $3,464-83.4% | $5,033-88.6% | $4,297-86.6% |