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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 | $47,903 | $127,387-62.4% | $115,038-58.4% | $125,389-61.8% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | 0.55% | 31.28%-30.7pp | 26.14%-25.6pp | 282.24%-281.7pp |
| Employer contribution / active EE | $1,853 | $5,166-64.1% | $4,608-59.8% | $4,866-61.9% |
| Participant deferral / active EE | $6,524 | $6,423+1.6% | $6,026+8.3% | $5,352+21.9% |
| Admin fee / account holder | $3,055 | $9,516-67.9% | $8,175-62.6% | $9,541-68.0% |