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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 | $39,162 | $72,177-45.7% | $115,038-66.0% | $59,633-34.3% |
| Participation rate | 96.6% | 72.6%+24.0pp | 81.4%+15.2pp | 68.7%+27.9pp |
| Annual return | 0.72% | 12.02%-11.3pp | 26.14%-25.4pp | 2041.45%-2040.7pp |
| Employer contribution / active EE | $1,440 | $2,841-49.3% | $4,608-68.7% | $2,203-34.6% |
| Participant deferral / active EE | $2,083 | $4,783-56.4% | $6,026-65.4% | $3,192-34.7% |
| Admin fee / account holder | $530 | $4,927-89.3% | $8,175-93.5% | $4,297-87.7% |