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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 | $33,088 | $65,704-49.6% | $94,229-64.9% | $59,633-44.5% |
| Participation rate | 87.3% | 72.1%+15.2pp | 78.8%+8.6pp | 68.7%+18.7pp |
| Annual return | -1.86% | 5.22%-7.1pp | 10.68%-12.5pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $1,430 | $2,021-29.2% | $3,587-60.1% | $2,203-35.1% |
| Participant deferral / active EE | $2,776 | $3,143-11.7% | $4,320-35.8% | $3,192-13.0% |
| Admin fee / account holder | $811 | $4,265-81.0% | $6,269-87.1% | $4,297-81.1% |