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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 | $77,761 | $65,703+18.4% | $94,224-17.5% | $59,632+30.4% |
| Participation rate | 70.7% | 72.1%-1.5pp | 78.8%-8.1pp | 68.7%+2.0pp |
| Annual return | -1.09% | 5.22%-6.3pp | 10.68%-11.8pp | 2041.32%-2042.4pp |
| Employer contribution / active EE | $1,529 | $2,021-24.3% | $3,587-57.4% | $2,203-30.6% |
| Participant deferral / active EE | $3,898 | $3,143+24.0% | $4,320-9.8% | $3,192+22.1% |
| Admin fee / account holder | $499 | $4,264-88.3% | $6,269-92.0% | $4,297-88.4% |