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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 | $50,824 | $65,082-21.9% | $81,367-37.5% | $59,633-14.8% |
| Participation rate | 97.4% | 76.0%+21.5pp | 82.3%+15.1pp | 68.7%+28.8pp |
| Annual return | 0.72% | 1.16%-0.4pp | -0.92%+1.6pp | 2041.45%-2040.7pp |
| Employer contribution / active EE | $6,319 | $2,934+115.4% | $3,930+60.8% | $2,203+186.9% |
| Participant deferral / active EE | $7,316 | $4,083+79.2% | $5,383+35.9% | $3,192+129.2% |
| Admin fee / account holder | $3,705 | $7,582-51.1% | $8,926-58.5% | $4,297-13.8% |