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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 | $45,414 | $72,177-37.1% | $115,038-60.5% | $59,633-23.8% |
| Participation rate | 88.5% | 72.6%+16.0pp | 81.4%+7.2pp | 68.7%+19.9pp |
| Annual return | 1.22% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $2,054 | $2,841-27.7% | $4,608-55.4% | $2,203-6.8% |
| Participant deferral / active EE | $4,491 | $4,783-6.1% | $6,026-25.5% | $3,192+40.7% |
| Admin fee / account holder | $1,799 | $4,927-63.5% | $8,175-78.0% | $4,297-58.1% |