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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 | $52,728 | $45,438+16.0% | $80,004-34.1% | $59,633-11.6% |
| Participation rate | 78.8% | 63.7%+15.1pp | 73.0%+5.8pp | 68.7%+10.1pp |
| Annual return | -1.10% | 5.10%-6.2pp | 7.63%-8.7pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $1,128 | $1,236-8.8% | $2,473-54.4% | $2,203-48.8% |
| Participant deferral / active EE | $2,755 | $2,231+23.5% | $3,204-14.0% | $3,192-13.7% |
| Admin fee / account holder | $3,728 | $3,464+7.6% | $5,033-25.9% | $4,297-13.3% |