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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 | $44,044 | $72,177-39.0% | $115,037-61.7% | $59,633-26.1% |
| Participation rate | 74.2% | 72.6%+1.7pp | 81.4%-7.1pp | 68.7%+5.6pp |
| Annual return | -1.04% | 12.02%-13.1pp | 26.14%-27.2pp | 2041.40%-2042.4pp |
| Employer contribution / active EE | $1,480 | $2,841-47.9% | $4,608-67.9% | $2,203-32.8% |
| Participant deferral / active EE | $5,145 | $4,783+7.6% | $6,026-14.6% | $3,192+61.2% |
| Admin fee / account holder | $1,623 | $4,927-67.1% | $8,175-80.1% | $4,297-62.2% |