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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 | $45,638 | $54,380-16.1% | $68,509-33.4% | $59,633-23.5% |
| Participation rate | 74.3% | 70.2%+4.1pp | 74.7%-0.4pp | 68.7%+5.6pp |
| Annual return | -0.86% | 2.83%-3.7pp | 8.27%-9.1pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $611 | $1,539-60.3% | $2,278-73.2% | $2,203-72.3% |
| Participant deferral / active EE | $2,516 | $2,643-4.8% | $3,382-25.6% | $3,192-21.2% |
| Admin fee / account holder | $2,691 | $3,885-30.7% | $5,275-49.0% | $4,297-37.4% |