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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 | $77,763 | $72,404+7.4% | $110,243-29.5% | $64,173+21.2% |
| Participation rate | 93.5% | 73.3%+20.2pp | 79.8%+13.7pp | 69.6%+24.0pp |
| Annual return | 0.53% | -6.29%+6.8pp | 314.76%-314.2pp | 7.63%-7.1pp |
| Employer contribution / active EE | $2,748 | $2,282+20.4% | $3,827-28.2% | $2,381+15.4% |
| Participant deferral / active EE | $3,816 | $3,469+10.0% | $4,672-18.3% | $3,470+10.0% |
| Admin fee / account holder | $347 | $5,664-93.9% | $8,548-95.9% | $4,887-92.9% |