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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 | $28,746 | $54,380-47.1% | $68,509-58.0% | $59,633-51.8% |
| Participation rate | 85.2% | 70.2%+15.0pp | 74.7%+10.5pp | 68.7%+16.5pp |
| Annual return | -0.80% | 2.83%-3.6pp | 8.27%-9.1pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $1,474 | $1,539-4.2% | $2,278-35.3% | $2,203-33.1% |
| Participant deferral / active EE | $3,470 | $2,643+31.3% | $3,382+2.6% | $3,192+8.7% |
| Admin fee / account holder | $844 | $3,885-78.3% | $5,275-84.0% | $4,297-80.4% |