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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 | $52,892 | $72,177-26.7% | $115,038-54.0% | $59,633-11.3% |
| Participation rate | 88.9% | 72.6%+16.3pp | 81.4%+7.5pp | 68.7%+20.2pp |
| Annual return | 0.40% | 12.02%-11.6pp | 26.14%-25.7pp | 2041.45%-2041.1pp |
| Employer contribution / active EE | $1,341 | $2,841-52.8% | $4,608-70.9% | $2,203-39.1% |
| Participant deferral / active EE | $3,460 | $4,783-27.7% | $6,026-42.6% | $3,192+8.4% |
| Admin fee / account holder | $3,314 | $4,927-32.7% | $8,175-59.5% | $4,297-22.9% |