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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 | $79,078 | $97,881-19.2% | $80,004-1.2% | $125,389-36.9% |
| Participation rate | 90.0% | 77.9%+12.1pp | 73.0%+17.0pp | 83.2%+6.8pp |
| Annual return | 1.09% | 9.36%-8.3pp | 7.63%-6.5pp | 282.24%-281.1pp |
| Employer contribution / active EE | $5,179 | $3,128+65.6% | $2,473+109.5% | $4,866+6.4% |
| Participant deferral / active EE | $5,057 | $3,744+35.1% | $3,204+57.9% | $5,352-5.5% |
| Admin fee / account holder | $1,871 | $6,278-70.2% | $5,033-62.8% | $9,541-80.4% |