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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 | $46,316 | $53,596-13.6% | $90,657-48.9% | $64,173-27.8% |
| Participation rate | 100.0% | 64.5%+35.5pp | 74.0%+26.0pp | 69.6%+30.4pp |
| Annual return | -5.35% | 4.41%-9.8pp | 1.89%-7.2pp | 7.63%-13.0pp |
| Employer contribution / active EE | $1,095 | $1,503-27.2% | $2,532-56.8% | $2,381-54.0% |
| Participant deferral / active EE | $2,157 | $2,459-12.3% | $3,424-37.0% | $3,470-37.8% |
| Admin fee / account holder | $3,166 | $3,868-18.1% | $4,994-36.6% | $4,887-35.2% |