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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 | $32,319 | $65,082-50.3% | $81,367-60.3% | $59,633-45.8% |
| Participation rate | 83.7% | 76.0%+7.8pp | 82.3%+1.4pp | 68.7%+15.1pp |
| Annual return | -2.15% | 1.16%-3.3pp | -0.92%-1.2pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $2,406 | $2,934-18.0% | $3,930-38.8% | $2,203+9.2% |
| Participant deferral / active EE | $9,256 | $4,083+126.7% | $5,383+71.9% | $3,192+190.0% |
| Admin fee / account holder | $2,762 | $7,582-63.6% | $8,926-69.1% | $4,297-35.7% |