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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 | $25,223 | $72,177-65.1% | $115,038-78.1% | $59,633-57.7% |
| Participation rate | 79.4% | 72.6%+6.8pp | 81.4%-2.0pp | 68.7%+10.7pp |
| Annual return | 0.20% | 12.02%-11.8pp | 26.14%-25.9pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $1,889 | $2,841-33.5% | $4,608-59.0% | $2,203-14.2% |
| Participant deferral / active EE | $4,013 | $4,783-16.1% | $6,026-33.4% | $3,192+25.7% |
| Admin fee / account holder | $1,793 | $4,927-63.6% | $8,175-78.1% | $4,297-58.3% |