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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 | $18,794 | $53,596-64.9% | $90,657-79.3% | $64,173-70.7% |
| Participation rate | 93.3% | 64.5%+28.8pp | 74.0%+19.3pp | 69.6%+23.8pp |
| Annual return | -7.15% | 4.41%-11.6pp | 1.89%-9.0pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,929 | $1,503+28.4% | $2,532-23.8% | $2,381-19.0% |
| Participant deferral / active EE | $2,133 | $2,459-13.2% | $3,424-37.7% | $3,470-38.5% |
| Admin fee / account holder | $5,357 | $3,868+38.5% | $4,994+7.3% | $4,887+9.6% |