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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 | $26,150 | $77,817-66.4% | $123,553-78.8% | $64,173-59.3% |
| Participation rate | 93.9% | 74.7%+19.2pp | 82.3%+11.6pp | 69.6%+24.3pp |
| Annual return | -0.79% | 12.49%-13.3pp | 119.21%-120.0pp | 7.63%-8.4pp |
| Employer contribution / active EE | $4,254 | $3,014+41.1% | $4,628-8.1% | $2,381+78.7% |
| Participant deferral / active EE | $8,375 | $5,240+59.8% | $6,426+30.3% | $3,470+141.4% |
| Admin fee / account holder | $1,579 | $5,519-71.4% | $9,284-83.0% | $4,887-67.7% |