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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 | $77,435 | $65,704+17.9% | $94,229-17.8% | $59,633+29.9% |
| Participation rate | 95.8% | 72.1%+23.7pp | 78.8%+17.1pp | 68.7%+27.2pp |
| Annual return | -0.30% | 5.22%-5.5pp | 10.68%-11.0pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $1,241 | $2,021-38.6% | $3,587-65.4% | $2,203-43.7% |
| Participant deferral / active EE | $3,502 | $3,143+11.4% | $4,320-18.9% | $3,192+9.7% |
| Admin fee / account holder | $410 | $4,265-90.4% | $6,269-93.5% | $4,297-90.5% |