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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 | $34,922 | $72,177-51.6% | $115,038-69.6% | $59,633-41.4% |
| Participation rate | 71.1% | 72.6%-1.4pp | 81.4%-10.3pp | 68.7%+2.4pp |
| Annual return | 0.10% | 12.02%-11.9pp | 26.14%-26.0pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $1,793 | $2,841-36.9% | $4,608-61.1% | $2,203-18.6% |
| Participant deferral / active EE | $2,545 | $4,783-46.8% | $6,026-57.8% | $3,192-20.3% |
| Admin fee / account holder | $4,224 | $4,927-14.3% | $8,175-48.3% | $4,297-1.7% |