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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 | $143,819 | $59,813+140.4% | $79,580+80.7% | $68,486+110.0% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.5%+30.5pp | 67.9%+32.1pp |
| Annual return | 5.88% | -12.30%+18.2pp | 0.15%+5.7pp | -7.85%+13.7pp |
| Employer contribution / active EE | $3,241 | $1,505+115.3% | $2,413+34.3% | $2,597+24.8% |
| Participant deferral / active EE | $4,033 | $3,024+33.3% | $3,985+1.2% | $4,028+0.1% |
| Admin fee / account holder | $5,328 | $4,835+10.2% | $6,835-22.0% | $5,404-1.4% |