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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 | $51,260 | $92,219-44.4% | $76,767-33.2% | $135,380-62.1% |
| Participation rate | 93.8% | 79.8%+14.0pp | 77.0%+16.8pp | 82.6%+11.1pp |
| Annual return | 0.96% | 5.46%-4.5pp | 2.43%-1.5pp | 519.81%-518.8pp |
| Employer contribution / active EE | $2,427 | $3,216-24.5% | $2,485-2.4% | $4,779-49.2% |
| Participant deferral / active EE | $5,438 | $4,508+20.6% | $3,852+41.2% | $5,609-3.0% |
| Admin fee / account holder | $2,681 | $10,749-75.1% | $6,675-59.8% | $10,828-75.2% |