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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 | $121,917 | $59,332+105.5% | $90,223+35.1% | $59,633+104.4% |
| Participation rate | 97.2% | 71.9%+25.3pp | 79.0%+18.2pp | 68.7%+28.6pp |
| Annual return | 0.30% | 3.25%-3.0pp | 1.31%-1.0pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $7,856 | $3,031+159.2% | $4,378+79.4% | $2,203+256.6% |
| Participant deferral / active EE | $11,372 | $4,369+160.3% | $5,792+96.3% | $3,192+256.3% |
| Admin fee / account holder | $5,608 | $5,032+11.4% | $7,406-24.3% | $4,297+30.5% |