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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 | $43,378 | $45,566-4.8% | $64,105-32.3% | $59,633-27.3% |
| Participation rate | 90.9% | 60.2%+30.7pp | 68.2%+22.7pp | 68.7%+22.2pp |
| Annual return | 2.43% | 4.95%-2.5pp | 791.24%-788.8pp | 2041.45%-2039.0pp |
| Employer contribution / active EE | $1,238 | $934+32.6% | $1,820-31.9% | $2,203-43.8% |
| Participant deferral / active EE | $4,850 | $2,057+135.8% | $2,822+71.9% | $3,192+52.0% |
| Admin fee / account holder | $2,332 | $3,268-28.6% | $4,499-48.2% | $4,297-45.7% |