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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 | $24,466 | $52,911-53.8% | $73,309-66.6% | $59,633-59.0% |
| Participation rate | 97.8% | 68.2%+29.6pp | 74.9%+22.9pp | 68.7%+29.1pp |
| Annual return | -2.00% | 12.20%-14.2pp | 5.67%-7.7pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $2,673 | $1,909+40.0% | $3,237-17.4% | $2,203+21.3% |
| Participant deferral / active EE | $4,919 | $4,069+20.9% | $4,991-1.4% | $3,192+54.1% |
| Admin fee / account holder | $1,931 | $3,835-49.7% | $5,635-65.7% | $4,297-55.1% |