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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 | $88,371 | $65,704+34.5% | $94,229-6.2% | $59,633+48.2% |
| Participation rate | 76.5% | 72.1%+4.4pp | 78.8%-2.3pp | 68.7%+7.8pp |
| Annual return | -1.45% | 5.22%-6.7pp | 10.68%-12.1pp | 2041.45%-2042.9pp |
| Employer contribution / active EE | $1,029 | $2,021-49.1% | $3,587-71.3% | $2,203-53.3% |
| Participant deferral / active EE | $3,321 | $3,143+5.7% | $4,320-23.1% | $3,192+4.0% |
| Admin fee / account holder | $2,218 | $4,265-48.0% | $6,269-64.6% | $4,297-48.4% |