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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 | $54,298 | $52,911+2.6% | $73,309-25.9% | $59,633-8.9% |
| Participation rate | 90.9% | 68.2%+22.7pp | 74.9%+16.0pp | 68.7%+22.2pp |
| Annual return | -1.14% | 12.20%-13.3pp | 5.67%-6.8pp | 2041.45%-2042.6pp |
| Employer contribution / active EE | $1,652 | $1,909-13.5% | $3,237-49.0% | $2,203-25.0% |
| Participant deferral / active EE | $2,865 | $4,069-29.6% | $4,991-42.6% | $3,192-10.2% |
| Admin fee / account holder | $3,175 | $3,835-17.2% | $5,635-43.7% | $4,297-26.1% |