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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 | $20,868 | $72,177-71.1% | $115,038-81.9% | $59,633-65.0% |
| Participation rate | 87.7% | 72.6%+15.2pp | 81.4%+6.4pp | 68.7%+19.0pp |
| Annual return | 0.84% | 12.02%-11.2pp | 26.14%-25.3pp | 2041.45%-2040.6pp |
| Employer contribution / active EE | $2,356 | $2,841-17.1% | $4,608-48.9% | $2,203+7.0% |
| Participant deferral / active EE | $4,491 | $4,783-6.1% | $6,026-25.5% | $3,192+40.7% |
| Admin fee / account holder | $718 | $4,927-85.4% | $8,175-91.2% | $4,297-83.3% |