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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 | $59,323 | $48,050+23.5% | $85,969-31.0% | $59,633-0.5% |
| Participation rate | 73.1% | 64.5%+8.6pp | 76.5%-3.5pp | 68.7%+4.4pp |
| Annual return | -0.51% | 0.29%-0.8pp | 9.32%-9.8pp | 2041.40%-2041.9pp |
| Employer contribution / active EE | $486 | $1,640-70.4% | $3,474-86.0% | $2,203-77.9% |
| Participant deferral / active EE | $2,628 | $2,249+16.8% | $3,829-31.4% | $3,192-17.7% |
| Admin fee / account holder | $1,102 | $3,206-65.6% | $6,053-81.8% | $4,297-74.4% |