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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 | $40,221 | $72,177-44.3% | $115,037-65.0% | $59,633-32.6% |
| Participation rate | 79.2% | 72.6%+6.6pp | 81.4%-2.2pp | 68.7%+10.5pp |
| Annual return | 1.16% | 12.02%-10.9pp | 26.14%-25.0pp | 2041.40%-2040.2pp |
| Employer contribution / active EE | $850 | $2,841-70.1% | $4,608-81.6% | $2,203-61.4% |
| Participant deferral / active EE | $2,490 | $4,783-47.9% | $6,026-58.7% | $3,192-22.0% |
| Admin fee / account holder | $1,186 | $4,927-75.9% | $8,175-85.5% | $4,297-72.4% |