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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 | $58,266 | $65,703-11.3% | $94,224-38.2% | $59,632-2.3% |
| Participation rate | 76.9% | 72.1%+4.8pp | 78.8%-1.8pp | 68.7%+8.3pp |
| Annual return | -1.16% | 5.22%-6.4pp | 10.68%-11.8pp | 2041.32%-2042.5pp |
| Employer contribution / active EE | $2,262 | $2,021+12.0% | $3,587-36.9% | $2,203+2.7% |
| Participant deferral / active EE | $3,550 | $3,143+13.0% | $4,320-17.8% | $3,192+11.2% |
| Admin fee / account holder | $372 | $4,264-91.3% | $6,269-94.1% | $4,297-91.3% |