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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 | $51,235 | $52,911-3.2% | $73,309-30.1% | $59,633-14.1% |
| Participation rate | 75.7% | 68.2%+7.5pp | 74.9%+0.8pp | 68.7%+7.0pp |
| Annual return | 1.62% | 12.20%-10.6pp | 5.67%-4.1pp | 2041.45%-2039.8pp |
| Employer contribution / active EE | $671 | $1,909-64.8% | $3,237-79.3% | $2,203-69.5% |
| Participant deferral / active EE | $5,687 | $4,069+39.8% | $4,991+14.0% | $3,192+78.2% |
| Admin fee / account holder | $4,939 | $3,835+28.8% | $5,635-12.3% | $4,297+14.9% |