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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 | $86,466 | $72,177+19.8% | $115,038-24.8% | $59,633+45.0% |
| Participation rate | 92.3% | 72.6%+19.8pp | 81.4%+10.9pp | 68.7%+23.6pp |
| Annual return | 1.22% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $4,065 | $2,841+43.1% | $4,608-11.8% | $2,203+84.6% |
| Participant deferral / active EE | $7,472 | $4,783+56.2% | $6,026+24.0% | $3,192+134.1% |
| Admin fee / account holder | $341 | $4,927-93.1% | $8,175-95.8% | $4,297-92.1% |