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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 | $63,701 | $65,704-3.0% | $94,229-32.4% | $59,633+6.8% |
| Participation rate | 71.7% | 72.1%-0.4pp | 78.8%-7.1pp | 68.7%+3.0pp |
| Annual return | 0.65% | 5.22%-4.6pp | 10.68%-10.0pp | 2041.45%-2040.8pp |
| Employer contribution / active EE | $672 | $2,021-66.8% | $3,587-81.3% | $2,203-69.5% |
| Participant deferral / active EE | $2,280 | $3,143-27.5% | $4,320-47.2% | $3,192-28.6% |
| Admin fee / account holder | $2,813 | $4,265-34.0% | $6,269-55.1% | $4,297-34.5% |