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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 | $62,959 | $72,177-12.8% | $115,038-45.3% | $59,633+5.6% |
| Participation rate | 92.9% | 72.6%+20.3pp | 81.4%+11.5pp | 68.7%+24.2pp |
| Annual return | 0.66% | 12.02%-11.4pp | 26.14%-25.5pp | 2041.45%-2040.8pp |
| Employer contribution / active EE | $2,129 | $2,841-25.1% | $4,608-53.8% | $2,203-3.4% |
| Participant deferral / active EE | $5,169 | $4,783+8.1% | $6,026-14.2% | $3,192+62.0% |
| Admin fee / account holder | $5,567 | $4,927+13.0% | $8,175-31.9% | $4,297+29.5% |