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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 | $31,255 | $54,162-42.3% | $68,612-54.4% | $64,173-51.3% |
| Participation rate | 96.3% | 68.1%+28.2pp | 72.2%+24.1pp | 69.6%+26.7pp |
| Annual return | -0.74% | -1.62%+0.9pp | -4.63%+3.9pp | 7.63%-8.4pp |
| Employer contribution / active EE | $814 | $1,846-55.9% | $2,625-69.0% | $2,381-65.8% |
| Participant deferral / active EE | $2,050 | $2,626-21.9% | $3,311-38.1% | $3,470-40.9% |
| Admin fee / account holder | $2,276 | $4,029-43.5% | $5,131-55.6% | $4,887-53.4% |