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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 | $25,393 | $71,873-64.7% | $86,698-70.7% | $68,490-62.9% |
| Participation rate | 97.7% | 72.2%+25.4pp | 76.6%+21.1pp | 67.9%+29.8pp |
| Annual return | -14.79% | 3.54%-18.3pp | 35.96%-50.8pp | -7.85%-6.9pp |
| Employer contribution / active EE | $2,800 | $2,173+28.8% | $2,837-1.3% | $2,597+7.8% |
| Participant deferral / active EE | $10,801 | $3,779+185.8% | $4,656+132.0% | $4,028+168.2% |
| Admin fee / account holder | $2,849 | $6,110-53.4% | $7,492-62.0% | $5,403-47.3% |