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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 | $24,402 | $77,817-68.6% | $123,553-80.2% | $64,173-62.0% |
| Participation rate | 93.3% | 74.7%+18.6pp | 82.3%+11.0pp | 69.6%+23.8pp |
| Annual return | -6.69% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,170 | $3,014-61.2% | $4,628-74.7% | $2,381-50.8% |
| Participant deferral / active EE | $2,825 | $5,240-46.1% | $6,426-56.0% | $3,470-18.6% |
| Admin fee / account holder | $2,079 | $5,519-62.3% | $9,284-77.6% | $4,887-57.5% |