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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 | $29,369 | $72,177-59.3% | $115,038-74.5% | $59,633-50.8% |
| Participation rate | 79.4% | 72.6%+6.9pp | 81.4%-2.0pp | 68.7%+10.7pp |
| Annual return | -0.93% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $2,701 | $2,841-4.9% | $4,608-41.4% | $2,203+22.6% |
| Participant deferral / active EE | $11,262 | $4,783+135.5% | $6,026+86.9% | $3,192+252.9% |
| Admin fee / account holder | $5,084 | $4,927+3.2% | $8,175-37.8% | $4,297+18.3% |