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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 | $30,636 | $52,678-41.8% | $75,784-59.6% | $59,633-48.6% |
| Participation rate | 88.1% | 67.2%+20.9pp | 75.8%+12.3pp | 68.7%+19.4pp |
| Annual return | -0.82% | 2.95%-3.8pp | 9.68%-10.5pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $2,121 | $2,193-3.3% | $3,323-36.2% | $2,203-3.7% |
| Participant deferral / active EE | $2,429 | $2,591-6.2% | $3,652-33.5% | $3,192-23.9% |
| Admin fee / account holder | $992 | $3,610-72.5% | $5,300-81.3% | $4,297-76.9% |