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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 | $43,078 | $59,116-27.1% | $86,438-50.2% | $68,486-37.1% |
| Participation rate | 70.8% | 75.2%-4.4pp | 80.3%-9.5pp | 67.9%+2.9pp |
| Annual return | 12.45% | -0.23%+12.7pp | 4397.19%-4384.7pp | -7.85%+20.3pp |
| Employer contribution / active EE | $3,644 | $2,519+44.7% | $3,769-3.3% | $2,597+40.3% |
| Participant deferral / active EE | $8,283 | $5,902+40.3% | $6,952+19.1% | $4,028+105.6% |
| Admin fee / account holder | $4,151 | $5,639-26.4% | $6,733-38.3% | $5,404-23.2% |