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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 | $64,787 | $87,546-26.0% | $75,784-14.5% | $125,389-48.3% |
| Participation rate | 90.9% | 80.2%+10.7pp | 75.8%+15.1pp | 83.2%+7.7pp |
| Annual return | 0.51% | 13.49%-13.0pp | 9.68%-9.2pp | 282.24%-281.7pp |
| Employer contribution / active EE | $2,886 | $3,930-26.6% | $3,323-13.2% | $4,866-40.7% |
| Participant deferral / active EE | $7,320 | $4,230+73.1% | $3,652+100.5% | $5,352+36.8% |
| Admin fee / account holder | $395 | $6,503-93.9% | $5,300-92.6% | $9,541-95.9% |