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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 | $31,300 | $43,338-27.8% | $59,887-47.7% | $64,173-51.2% |
| Participation rate | 100.0% | 69.2%+30.8pp | 74.7%+25.3pp | 69.6%+30.4pp |
| Annual return | -2.34% | -1.55%-0.8pp | 3.46%-5.8pp | 7.63%-10.0pp |
| Employer contribution / active EE | $1,262 | $2,030-37.8% | $2,722-53.7% | $2,381-47.0% |
| Participant deferral / active EE | $1,340 | $2,547-47.4% | $3,402-60.6% | $3,470-61.4% |
| Admin fee / account holder | $6,946 | $3,007+131.0% | $3,591+93.4% | $4,887+42.1% |