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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 | $21,524 | $77,817-72.3% | $123,553-82.6% | $64,173-66.5% |
| Participation rate | 94.7% | 74.7%+20.0pp | 82.3%+12.4pp | 69.6%+25.2pp |
| Annual return | -6.81% | 12.49%-19.3pp | 119.21%-126.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $2,032 | $3,014-32.6% | $4,628-56.1% | $2,381-14.7% |
| Participant deferral / active EE | $4,114 | $5,240-21.5% | $6,426-36.0% | $3,470+18.6% |
| Admin fee / account holder | $386 | $5,519-93.0% | $9,284-95.8% | $4,887-92.1% |