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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 | $29,246 | $45,872-36.2% | $77,100-62.1% | $68,490-57.3% |
| Participation rate | 90.5% | 55.9%+34.6pp | 67.9%+22.6pp | 67.9%+22.6pp |
| Annual return | -18.34% | 1.73%-20.1pp | 42.35%-60.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $1,934 | $1,650+17.2% | $2,815-31.3% | $2,597-25.5% |
| Participant deferral / active EE | $5,437 | $2,963+83.5% | $4,430+22.7% | $4,028+35.0% |
| Admin fee / account holder | $985 | $3,041-67.6% | $5,443-81.9% | $5,403-81.8% |