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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 | $95,275 | $72,177+32.0% | $115,038-17.2% | $59,633+59.8% |
| Participation rate | 76.5% | 72.6%+3.9pp | 81.4%-4.9pp | 68.7%+7.8pp |
| Annual return | -1.06% | 12.02%-13.1pp | 26.14%-27.2pp | 2041.45%-2042.5pp |
| Employer contribution / active EE | $2,612 | $2,841-8.1% | $4,608-43.3% | $2,203+18.6% |
| Participant deferral / active EE | $5,597 | $4,783+17.0% | $6,026-7.1% | $3,192+75.4% |
| Admin fee / account holder | $2,077 | $4,927-57.9% | $8,175-74.6% | $4,297-51.7% |