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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 | $83,700 | $65,704+27.4% | $94,229-11.2% | $59,633+40.4% |
| Participation rate | 80.0% | 72.1%+7.9pp | 78.8%+1.2pp | 68.7%+11.3pp |
| Annual return | -1.67% | 5.22%-6.9pp | 10.68%-12.4pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $1,924 | $2,021-4.8% | $3,587-46.4% | $2,203-12.6% |
| Participant deferral / active EE | $4,463 | $3,143+42.0% | $4,320+3.3% | $3,192+39.8% |
| Admin fee / account holder | $450 | $4,265-89.5% | $6,269-92.8% | $4,297-89.5% |