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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 | $98,491 | $82,028+20.1% | $123,105-20.0% | $59,633+65.2% |
| Participation rate | 84.8% | 83.2%+1.6pp | 86.8%-1.9pp | 68.7%+16.2pp |
| Annual return | 1.55% | 5.12%-3.6pp | 13.22%-11.7pp | 2041.45%-2039.9pp |
| Employer contribution / active EE | $1,680 | $3,297-49.0% | $5,151-67.4% | $2,203-23.7% |
| Participant deferral / active EE | $5,746 | $4,667+23.1% | $6,229-7.8% | $3,192+80.0% |
| Admin fee / account holder | $15,291 | $5,879+160.1% | $9,014+69.6% | $4,297+255.9% |