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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 | $35,300 | $72,177-51.1% | $115,038-69.3% | $59,633-40.8% |
| Participation rate | 74.4% | 72.6%+1.8pp | 81.4%-7.0pp | 68.7%+5.7pp |
| Annual return | 0.48% | 12.02%-11.5pp | 26.14%-25.7pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $2,081 | $2,841-26.8% | $4,608-54.8% | $2,203-5.5% |
| Participant deferral / active EE | $7,150 | $4,783+49.5% | $6,026+18.6% | $3,192+124.0% |
| Admin fee / account holder | $753 | $4,927-84.7% | $8,175-90.8% | $4,297-82.5% |