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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 | $74,607 | $113,941-34.5% | $94,229-20.8% | $125,389-40.5% |
| Participation rate | 75.0% | 82.9%-7.9pp | 78.8%-3.8pp | 83.2%-8.2pp |
| Annual return | 0.20% | 5.29%-5.1pp | 10.68%-10.5pp | 282.24%-282.0pp |
| Employer contribution / active EE | $21,414 | $4,727+353.0% | $3,587+497.0% | $4,866+340.1% |
| Participant deferral / active EE | $10,932 | $5,179+111.1% | $4,320+153.0% | $5,352+104.3% |
| Admin fee / account holder | $732 | $8,392-91.3% | $6,269-88.3% | $9,541-92.3% |