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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 | $19,025 | $52,678-63.9% | $75,784-74.9% | $59,633-68.1% |
| Participation rate | 72.4% | 67.2%+5.2pp | 75.8%-3.4pp | 68.7%+3.7pp |
| Annual return | -2.62% | 2.95%-5.6pp | 9.68%-12.3pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $2,181 | $2,193-0.6% | $3,323-34.4% | $2,203-1.0% |
| Participant deferral / active EE | $3,442 | $2,591+32.9% | $3,652-5.7% | $3,192+7.8% |
| Admin fee / account holder | $747 | $3,610-79.3% | $5,300-85.9% | $4,297-82.6% |