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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 | $62,405 | $52,678+18.5% | $75,784-17.7% | $59,633+4.6% |
| Participation rate | 87.5% | 67.2%+20.3pp | 75.8%+11.7pp | 68.7%+18.8pp |
| Annual return | -1.86% | 2.95%-4.8pp | 9.68%-11.5pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $2,187 | $2,193-0.3% | $3,323-34.2% | $2,203-0.7% |
| Participant deferral / active EE | $3,277 | $2,591+26.5% | $3,652-10.3% | $3,192+2.7% |
| Admin fee / account holder | $1,668 | $3,610-53.8% | $5,300-68.5% | $4,297-61.2% |