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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 | $50,991 | $70,002-27.2% | $115,038-55.7% | $52,331-2.6% |
| Participation rate | 74.3% | 72.1%+2.2pp | 81.4%-7.1pp | 68.1%+6.2pp |
| Annual return | -0.84% | 4.04%-4.9pp | 26.14%-27.0pp | 4.54%-5.4pp |
| Employer contribution / active EE | $1,874 | $2,715-31.0% | $4,608-59.3% | $1,882-0.4% |
| Participant deferral / active EE | $5,249 | $4,920+6.7% | $6,026-12.9% | $3,022+73.7% |
| Admin fee / account holder | $1,619 | $566+186.1% | $8,175-80.2% | $592+173.7% |