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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 | $55,207 | $54,380+1.5% | $68,509-19.4% | $59,633-7.4% |
| Participation rate | 76.0% | 70.2%+5.8pp | 74.7%+1.3pp | 68.7%+7.3pp |
| Annual return | 0.08% | 2.83%-2.8pp | 8.27%-8.2pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $1,025 | $1,539-33.4% | $2,278-55.0% | $2,203-53.5% |
| Participant deferral / active EE | $1,855 | $2,643-29.8% | $3,382-45.1% | $3,192-41.9% |
| Admin fee / account holder | $3,546 | $3,885-8.7% | $5,275-32.8% | $4,297-17.5% |