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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 | $26,884 | $62,589-57.0% | $76,768-65.0% | $64,173-58.1% |
| Participation rate | 94.7% | 72.8%+21.9pp | 77.0%+17.8pp | 69.6%+25.2pp |
| Annual return | -6.59% | -1.95%-4.6pp | 2.43%-9.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,777 | $1,832-3.0% | $2,485-28.5% | $2,381-25.4% |
| Participant deferral / active EE | $3,938 | $3,145+25.2% | $3,852+2.2% | $3,470+13.5% |
| Admin fee / account holder | $2,950 | $4,667-36.8% | $6,675-55.8% | $4,887-39.6% |