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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 | $219,496 | $83,908+161.6% | $68,509+220.4% | $125,389+75.1% |
| Participation rate | 76.9% | 78.2%-1.2pp | 74.7%+2.2pp | 83.2%-6.3pp |
| Annual return | 0.11% | 14.48%-14.4pp | 8.27%-8.2pp | 282.24%-282.1pp |
| Employer contribution / active EE | $2,859 | $3,031-5.7% | $2,278+25.5% | $4,866-41.3% |
| Participant deferral / active EE | $8,300 | $4,125+101.2% | $3,382+145.4% | $5,352+55.1% |
| Admin fee / account holder | $5,774 | $8,982-35.7% | $5,275+9.5% | $9,541-39.5% |