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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 | $63,015 | $54,380+15.9% | $68,509-8.0% | $59,633+5.7% |
| Participation rate | 94.4% | 70.2%+24.3pp | 74.7%+19.7pp | 68.7%+25.8pp |
| Annual return | 0.26% | 2.83%-2.6pp | 8.27%-8.0pp | 2041.40%-2041.1pp |
| Employer contribution / active EE | $1,667 | $1,539+8.4% | $2,278-26.8% | $2,203-24.3% |
| Participant deferral / active EE | $1,905 | $2,643-27.9% | $3,382-43.7% | $3,192-40.3% |
| Admin fee / account holder | $2,057 | $3,885-47.1% | $5,275-61.0% | $4,297-52.1% |