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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 | $79,216 | $69,977+13.2% | $108,582-27.0% | $62,881+26.0% |
| Participation rate | 92.6% | 72.9%+19.7pp | 79.6%+13.0pp | 69.3%+23.3pp |
| Annual return | 8.28% | 10.73%-2.4pp | -51.70%+60.0pp | 20.14%-11.9pp |
| Employer contribution / active EE | $1,312 | $2,135-38.5% | $3,758-65.1% | $2,281-42.5% |
| Participant deferral / active EE | $5,619 | $3,165+77.6% | $4,311+30.4% | $3,203+75.4% |
| Admin fee / account holder | $39,245 | $5,076+673.1% | $7,645+413.3% | $4,296+813.6% |