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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 | $21,289 | $50,958-58.2% | $74,552-71.4% | $64,181-66.8% |
| Participation rate | 88.5% | 61.1%+27.4pp | 69.1%+19.3pp | 69.6%+18.9pp |
| Annual return | -0.43% | -1.86%+1.4pp | 32.53%-33.0pp | 7.63%-8.1pp |
| Employer contribution / active EE | $1,721 | $1,115+54.3% | $1,961-12.2% | $2,381-27.7% |
| Participant deferral / active EE | $2,467 | $2,301+7.2% | $3,108-20.6% | $3,470-28.9% |
| Admin fee / account holder | $695 | $4,223-83.5% | $5,060-86.3% | $4,887-85.8% |