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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 | $42,490 | $72,177-41.1% | $115,038-63.1% | $59,633-28.7% |
| Participation rate | 77.4% | 72.6%+4.9pp | 81.4%-3.9pp | 68.7%+8.7pp |
| Annual return | 0.31% | 12.02%-11.7pp | 26.14%-25.8pp | 2041.45%-2041.1pp |
| Employer contribution / active EE | $3,036 | $2,841+6.9% | $4,608-34.1% | $2,203+37.8% |
| Participant deferral / active EE | $7,396 | $4,783+54.6% | $6,026+22.7% | $3,192+131.7% |
| Admin fee / account holder | $461 | $4,927-90.6% | $8,175-94.4% | $4,297-89.3% |