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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 | $42,031 | $57,352-26.7% | $83,831-49.9% | $64,173-34.5% |
| Participation rate | 85.7% | 68.6%+17.1pp | 76.1%+9.6pp | 69.6%+16.1pp |
| Annual return | -8.00% | 11.38%-19.4pp | 850.99%-859.0pp | 7.63%-15.6pp |
| Employer contribution / active EE | $1,932 | $2,546-24.1% | $3,631-46.8% | $2,381-18.9% |
| Participant deferral / active EE | $3,243 | $2,993+8.4% | $4,082-20.6% | $3,470-6.5% |
| Admin fee / account holder | $1,517 | $4,046-62.5% | $5,479-72.3% | $4,887-69.0% |