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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 | $28,650 | $77,816-63.2% | $123,552-76.8% | $64,173-55.4% |
| Participation rate | 70.0% | 74.7%-4.7pp | 82.3%-12.3pp | 69.6%+0.4pp |
| Annual return | -7.92% | 12.49%-20.4pp | 119.20%-127.1pp | 7.63%-15.6pp |
| Employer contribution / active EE | $3,515 | $3,014+16.6% | $4,628-24.0% | $2,381+47.7% |
| Participant deferral / active EE | $6,793 | $5,240+29.6% | $6,426+5.7% | $3,470+95.8% |
| Admin fee / account holder | $547 | $5,519-90.1% | $9,285-94.1% | $4,887-88.8% |