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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 | $27,250 | $77,817-65.0% | $123,553-77.9% | $64,173-57.5% |
| Participation rate | 96.0% | 74.7%+21.3pp | 82.3%+13.7pp | 69.6%+26.4pp |
| Annual return | -6.90% | 12.49%-19.4pp | 119.21%-126.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,656 | $3,014-45.1% | $4,628-64.2% | $2,381-30.5% |
| Participant deferral / active EE | $2,966 | $5,240-43.4% | $6,426-53.8% | $3,470-14.5% |
| Admin fee / account holder | $5,118 | $5,519-7.3% | $9,284-44.9% | $4,887+4.7% |