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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 | $51,026 | $57,352-11.0% | $83,831-39.1% | $64,173-20.5% |
| Participation rate | 86.5% | 68.6%+17.9pp | 76.1%+10.3pp | 69.6%+16.9pp |
| Annual return | 0.30% | 11.38%-11.1pp | 850.99%-850.7pp | 7.63%-7.3pp |
| Employer contribution / active EE | $5,219 | $2,546+105.0% | $3,631+43.7% | $2,381+119.2% |
| Participant deferral / active EE | $1,739 | $2,993-41.9% | $4,082-57.4% | $3,470-49.9% |
| Admin fee / account holder | $6,546 | $4,046+61.8% | $5,479+19.5% | $4,887+33.9% |