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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 | $52,674 | $72,177-27.0% | $115,038-54.2% | $59,633-11.7% |
| Participation rate | 70.7% | 72.6%-1.8pp | 81.4%-10.6pp | 68.7%+2.1pp |
| Annual return | 1.04% | 12.02%-11.0pp | 26.14%-25.1pp | 2041.45%-2040.4pp |
| Employer contribution / active EE | $2,691 | $2,841-5.3% | $4,608-41.6% | $2,203+22.2% |
| Participant deferral / active EE | $7,445 | $4,783+55.7% | $6,026+23.5% | $3,192+133.3% |
| Admin fee / account holder | $539 | $4,927-89.1% | $8,175-93.4% | $4,297-87.5% |