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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 | $68,699 | $72,177-4.8% | $115,038-40.3% | $59,633+15.2% |
| Participation rate | 94.6% | 72.6%+22.0pp | 81.4%+13.2pp | 68.7%+25.9pp |
| Annual return | 0.22% | 12.02%-11.8pp | 26.14%-25.9pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $3,127 | $2,841+10.1% | $4,608-32.1% | $2,203+42.0% |
| Participant deferral / active EE | $8,395 | $4,783+75.5% | $6,026+39.3% | $3,192+163.0% |
| Admin fee / account holder | $1,018 | $4,927-79.3% | $8,175-87.5% | $4,297-76.3% |