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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 | $62,696 | $72,177-13.1% | $115,038-45.5% | $59,633+5.1% |
| Participation rate | 92.6% | 72.6%+20.0pp | 81.4%+11.2pp | 68.7%+23.9pp |
| Annual return | 0.27% | 12.02%-11.7pp | 26.14%-25.9pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $1,759 | $2,841-38.1% | $4,608-61.8% | $2,203-20.1% |
| Participant deferral / active EE | $6,938 | $4,783+45.1% | $6,026+15.1% | $3,192+117.4% |
| Admin fee / account holder | $1,402 | $4,927-71.6% | $8,175-82.9% | $4,297-67.4% |