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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 | $39,227 | $69,977-43.9% | $108,582-63.9% | $62,881-37.6% |
| Participation rate | 76.9% | 72.9%+4.0pp | 79.6%-2.6pp | 69.3%+7.6pp |
| Annual return | 6.12% | 10.73%-4.6pp | -51.70%+57.8pp | 20.14%-14.0pp |
| Employer contribution / active EE | $2,031 | $2,135-4.9% | $3,758-46.0% | $2,281-11.0% |
| Participant deferral / active EE | $3,003 | $3,165-5.1% | $4,311-30.3% | $3,203-6.2% |
| Admin fee / account holder | $422 | $5,076-91.7% | $7,645-94.5% | $4,296-90.2% |