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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 | $86,102 | $72,177+19.3% | $115,038-25.2% | $59,633+44.4% |
| Participation rate | 71.0% | 72.6%-1.6pp | 81.4%-10.4pp | 68.7%+2.3pp |
| Annual return | -1.93% | 12.02%-13.9pp | 26.14%-28.1pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $1,130 | $2,841-60.2% | $4,608-75.5% | $2,203-48.7% |
| Participant deferral / active EE | $6,484 | $4,783+35.6% | $6,026+7.6% | $3,192+103.2% |
| Admin fee / account holder | $469 | $4,927-90.5% | $8,175-94.3% | $4,297-89.1% |