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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 | $59,078 | $52,678+12.1% | $75,784-22.0% | $59,633-0.9% |
| Participation rate | 81.4% | 67.2%+14.2pp | 75.8%+5.6pp | 68.7%+12.7pp |
| Annual return | -0.92% | 2.95%-3.9pp | 9.68%-10.6pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,282 | $2,193-41.6% | $3,323-61.4% | $2,203-41.8% |
| Participant deferral / active EE | $4,528 | $2,591+74.8% | $3,652+24.0% | $3,192+41.9% |
| Admin fee / account holder | $3,378 | $3,610-6.4% | $5,300-36.3% | $4,297-21.4% |