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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 | $30,504 | $45,872-33.5% | $77,096-60.4% | $68,486-55.5% |
| Participation rate | 70.7% | 55.9%+14.8pp | 67.9%+2.8pp | 67.9%+2.8pp |
| Annual return | -17.94% | 1.73%-19.7pp | 42.35%-60.3pp | -7.85%-10.1pp |
| Employer contribution / active EE | $2,424 | $1,650+46.9% | $2,814-13.9% | $2,597-6.7% |
| Participant deferral / active EE | $6,460 | $2,963+118.0% | $4,429+45.9% | $4,028+60.4% |
| Admin fee / account holder | $3,116 | $3,041+2.5% | $5,428-42.6% | $5,404-42.3% |