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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 | $33,909 | $39,162-13.4% | $100,671-66.3% | $59,633-43.1% |
| Participation rate | 92.9% | 55.9%+37.0pp | 70.7%+22.1pp | 68.7%+24.2pp |
| Annual return | 0.81% | 21.07%-20.3pp | 20.43%-19.6pp | 2041.45%-2040.6pp |
| Employer contribution / active EE | $1,180 | $1,151+2.6% | $4,012-70.6% | $2,203-46.4% |
| Participant deferral / active EE | $1,571 | $1,992-21.1% | $3,144-50.0% | $3,192-50.8% |
| Admin fee / account holder | $414 | $2,969-86.0% | $4,850-91.5% | $4,297-90.4% |