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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 | $25,754 | $54,380-52.6% | $68,509-62.4% | $59,633-56.8% |
| Participation rate | 76.7% | 70.2%+6.6pp | 74.7%+2.0pp | 68.7%+8.1pp |
| Annual return | 1.16% | 2.83%-1.7pp | 8.27%-7.1pp | 2041.45%-2040.3pp |
| Employer contribution / active EE | $1,638 | $1,539+6.4% | $2,278-28.1% | $2,203-25.7% |
| Participant deferral / active EE | $3,114 | $2,643+17.8% | $3,382-7.9% | $3,192-2.4% |
| Admin fee / account holder | $1,243 | $3,885-68.0% | $5,275-76.4% | $4,297-71.1% |