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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 | $54,675 | $57,352-4.7% | $83,830-34.8% | $64,173-14.8% |
| Participation rate | 87.5% | 68.6%+18.9pp | 76.1%+11.4pp | 69.6%+17.9pp |
| Annual return | 0.27% | 11.38%-11.1pp | 850.97%-850.7pp | 7.63%-7.4pp |
| Employer contribution / active EE | $2,061 | $2,546-19.0% | $3,631-43.2% | $2,381-13.4% |
| Participant deferral / active EE | $4,639 | $2,993+55.0% | $4,082+13.7% | $3,470+33.7% |
| Admin fee / account holder | $1,580 | $4,046-61.0% | $5,479-71.2% | $4,887-67.7% |