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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 | $26,767 | $72,177-62.9% | $115,038-76.7% | $59,633-55.1% |
| Participation rate | 75.0% | 72.6%+2.4pp | 81.4%-6.4pp | 68.7%+6.3pp |
| Annual return | 0.17% | 12.02%-11.9pp | 26.14%-26.0pp | 2041.45%-2041.3pp |
| Employer contribution / active EE | $2,457 | $2,841-13.5% | $4,608-46.7% | $2,203+11.6% |
| Participant deferral / active EE | $6,065 | $4,783+26.8% | $6,026+0.6% | $3,192+90.0% |
| Admin fee / account holder | $3,521 | $4,927-28.5% | $8,175-56.9% | $4,297-18.1% |