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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 | $68,289 | $72,177-5.4% | $115,038-40.6% | $59,633+14.5% |
| Participation rate | 92.9% | 72.6%+20.3pp | 81.4%+11.5pp | 68.7%+24.2pp |
| Annual return | 0.54% | 12.02%-11.5pp | 26.14%-25.6pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $3,286 | $2,841+15.6% | $4,608-28.7% | $2,203+49.2% |
| Participant deferral / active EE | $10,443 | $4,783+118.3% | $6,026+73.3% | $3,192+227.2% |
| Admin fee / account holder | $11,533 | $4,927+134.1% | $8,175+41.1% | $4,297+168.4% |