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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 | $64,389 | $83,908-23.3% | $68,509-6.0% | $125,388-48.6% |
| Participation rate | 76.5% | 78.2%-1.7pp | 74.7%+1.7pp | 83.2%-6.7pp |
| Annual return | 0.55% | 14.48%-13.9pp | 8.27%-7.7pp | 282.24%-281.7pp |
| Employer contribution / active EE | $3,017 | $3,031-0.5% | $2,278+32.4% | $4,866-38.0% |
| Participant deferral / active EE | $5,345 | $4,125+29.6% | $3,382+58.0% | $5,352-0.1% |
| Admin fee / account holder | $731 | $8,982-91.9% | $5,275-86.1% | $9,541-92.3% |