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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 | $48,159 | $65,704-26.7% | $94,229-48.9% | $59,633-19.2% |
| Participation rate | 93.5% | 72.1%+21.4pp | 78.8%+14.8pp | 68.7%+24.9pp |
| Annual return | 1.81% | 5.22%-3.4pp | 10.68%-8.9pp | 2041.45%-2039.6pp |
| Employer contribution / active EE | $2,606 | $2,021+29.0% | $3,587-27.4% | $2,203+18.3% |
| Participant deferral / active EE | $4,082 | $3,143+29.9% | $4,320-5.5% | $3,192+27.9% |
| Admin fee / account holder | $816 | $4,265-80.9% | $6,269-87.0% | $4,297-81.0% |