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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 | $33,141 | $48,267-31.3% | $68,808-51.8% | $68,486-51.6% |
| Participation rate | 96.1% | 60.7%+35.4pp | 69.0%+27.1pp | 67.9%+28.2pp |
| Annual return | -19.40% | -12.70%-6.7pp | -6.37%-13.0pp | -7.85%-11.5pp |
| Employer contribution / active EE | $6,902 | $1,829+277.4% | $2,656+159.9% | $2,597+165.8% |
| Participant deferral / active EE | $4,013 | $2,867+40.0% | $3,942+1.8% | $4,028-0.4% |
| Admin fee / account holder | $1,427 | $4,362-67.3% | $4,936-71.1% | $5,404-73.6% |