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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 | $34,497 | $25,979+32.8% | $71,755-51.9% | $68,486-49.6% |
| Participation rate | 72.5% | 54.5%+18.1pp | 62.3%+10.2pp | 67.9%+4.7pp |
| Annual return | -17.97% | -15.10%-2.9pp | 9.09%-27.1pp | -7.85%-10.1pp |
| Employer contribution / active EE | $1,508 | $900+67.5% | $1,704-11.5% | $2,597-41.9% |
| Participant deferral / active EE | $2,689 | $1,522+76.6% | $2,656+1.2% | $4,028-33.2% |
| Admin fee / account holder | $535 | $2,022-73.5% | $3,972-86.5% | $5,404-90.1% |