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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 | $27,736 | $56,544-50.9% | $75,501-63.3% | $70,126-60.4% |
| Participation rate | 73.4% | 68.1%+5.3pp | 72.4%+1.1pp | 69.5%+3.9pp |
| Annual return | 0.00% | 23.59%-23.6pp | 27.35%-27.4pp | 73.15%-73.1pp |
| Employer contribution / active EE | $1,429 | $1,817-21.3% | $2,352-39.2% | $2,343-39.0% |
| Participant deferral / active EE | $2,650 | $2,580+2.7% | $3,142-15.7% | $3,332-20.5% |
| Admin fee / account holder | $524 | $3,827-86.3% | $5,801-91.0% | $4,645-88.7% |