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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 | $28,858 | $45,438-36.5% | $80,004-63.9% | $59,632-51.6% |
| Participation rate | 100.0% | 63.7%+36.3pp | 73.0%+27.0pp | 68.7%+31.3pp |
| Annual return | -0.79% | 5.10%-5.9pp | 7.63%-8.4pp | 2041.32%-2042.1pp |
| Employer contribution / active EE | $1,162 | $1,236-6.0% | $2,473-53.0% | $2,203-47.2% |
| Participant deferral / active EE | $1,843 | $2,231-17.4% | $3,204-42.5% | $3,192-42.2% |
| Admin fee / account holder | $2,095 | $3,464-39.5% | $5,033-58.4% | $4,297-51.2% |