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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 | $34,725 | $77,817-55.4% | $123,553-71.9% | $64,173-45.9% |
| Participation rate | 83.1% | 74.7%+8.4pp | 82.3%+0.8pp | 69.6%+13.5pp |
| Annual return | 5.98% | 12.49%-6.5pp | 119.21%-113.2pp | 7.63%-1.7pp |
| Employer contribution / active EE | $3,035 | $3,014+0.7% | $4,628-34.4% | $2,381+27.5% |
| Participant deferral / active EE | $6,082 | $5,240+16.1% | $6,426-5.4% | $3,470+75.3% |
| Admin fee / account holder | $518 | $5,519-90.6% | $9,284-94.4% | $4,887-89.4% |