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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 | $143,947 | $112,300+28.2% | $90,223+59.5% | $125,389+14.8% |
| Participation rate | 100.0% | 82.9%+17.1pp | 79.0%+21.0pp | 83.2%+16.8pp |
| Annual return | 0.91% | -0.57%+1.5pp | 1.31%-0.4pp | 282.24%-281.3pp |
| Employer contribution / active EE | $4,584 | $5,181-11.5% | $4,378+4.7% | $4,866-5.8% |
| Participant deferral / active EE | $3,510 | $6,733-47.9% | $5,792-39.4% | $5,352-34.4% |
| Admin fee / account holder | $8,279 | $10,990-24.7% | $7,406+11.8% | $9,541-13.2% |