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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 | $38,283 | $82,032-53.3% | $123,106-68.9% | $59,632-35.8% |
| Participation rate | 90.0% | 83.2%+6.8pp | 86.8%+3.2pp | 68.7%+21.3pp |
| Annual return | 0.51% | 5.12%-4.6pp | 13.22%-12.7pp | 2041.32%-2040.8pp |
| Employer contribution / active EE | $2,423 | $3,297-26.5% | $5,151-53.0% | $2,203+10.0% |
| Participant deferral / active EE | $4,699 | $4,667+0.7% | $6,229-24.6% | $3,192+47.2% |
| Admin fee / account holder | $7,338 | $5,881+24.8% | $9,015-18.6% | $4,297+70.8% |