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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 | $69,444 | $49,177+41.2% | $79,476-12.6% | $64,181+8.2% |
| Participation rate | 78.3% | 65.0%+13.2pp | 73.3%+4.9pp | 69.6%+8.7pp |
| Annual return | 1.88% | -1.16%+3.0pp | 718.21%-716.3pp | 7.63%-5.8pp |
| Employer contribution / active EE | $1,064 | $2,076-48.8% | $2,800-62.0% | $2,381-55.3% |
| Participant deferral / active EE | $4,278 | $2,821+51.6% | $3,704+15.5% | $3,470+23.3% |
| Admin fee / account holder | $1,181 | $3,839-69.2% | $5,113-76.9% | $4,887-75.8% |