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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 | $33,010 | $53,596-38.4% | $90,657-63.6% | $64,173-48.6% |
| Participation rate | 98.6% | 64.5%+34.1pp | 74.0%+24.6pp | 69.6%+29.1pp |
| Annual return | -1.89% | 4.41%-6.3pp | 1.89%-3.8pp | 7.63%-9.5pp |
| Employer contribution / active EE | $3,308 | $1,503+120.1% | $2,532+30.7% | $2,381+38.9% |
| Participant deferral / active EE | $2,733 | $2,459+11.2% | $3,424-20.2% | $3,470-21.2% |
| Admin fee / account holder | $704 | $3,868-81.8% | $4,994-85.9% | $4,887-85.6% |