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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 | $53,647 | $54,380-1.3% | $68,509-21.7% | $59,633-10.0% |
| Participation rate | 72.4% | 70.2%+2.2pp | 74.7%-2.3pp | 68.7%+3.7pp |
| Annual return | -1.46% | 2.83%-4.3pp | 8.27%-9.7pp | 2041.40%-2042.9pp |
| Employer contribution / active EE | $1,203 | $1,539-21.8% | $2,278-47.2% | $2,203-45.4% |
| Participant deferral / active EE | $2,874 | $2,643+8.7% | $3,382-15.0% | $3,192-9.9% |
| Admin fee / account holder | $720 | $3,885-81.5% | $5,275-86.4% | $4,297-83.3% |