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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 | $33,479 | $62,589-46.5% | $76,768-56.4% | $64,173-47.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -6.83% | -1.95%-4.9pp | 2.43%-9.3pp | 7.63%-14.5pp |
| Employer contribution / active EE | $3,422 | $1,832+86.8% | $2,485+37.7% | $2,381+43.7% |
| Participant deferral / active EE | $6,785 | $3,145+115.7% | $3,852+76.2% | $3,470+95.5% |
| Admin fee / account holder | $3,592 | $4,667-23.0% | $6,675-46.2% | $4,887-26.5% |