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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 | $39,813 | $105,866-62.4% | $90,766-56.1% | $134,545-70.4% |
| Participation rate | 76.5% | 78.3%-1.8pp | 75.7%+0.8pp | 81.2%-4.8pp |
| Annual return | 1.00% | -10.99%+12.0pp | -12.16%+13.2pp | 418.37%-417.4pp |
| Employer contribution / active EE | $1,201 | $3,464-65.3% | $2,922-58.9% | $4,742-74.7% |
| Participant deferral / active EE | $2,457 | $5,217-52.9% | $4,565-46.2% | $6,401-61.6% |
| Admin fee / account holder | $811 | $13,938-94.2% | $8,446-90.4% | $11,431-92.9% |