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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 | $31,997 | $52,678-39.3% | $75,784-57.8% | $59,633-46.3% |
| Participation rate | 78.6% | 67.2%+11.3pp | 75.8%+2.8pp | 68.7%+9.9pp |
| Annual return | -2.03% | 2.95%-5.0pp | 9.68%-11.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $1,489 | $2,193-32.1% | $3,323-55.2% | $2,203-32.4% |
| Participant deferral / active EE | $2,970 | $2,591+14.6% | $3,652-18.7% | $3,192-6.9% |
| Admin fee / account holder | $929 | $3,610-74.3% | $5,300-82.5% | $4,297-78.4% |