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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 | $77,015 | $54,380+41.6% | $68,509+12.4% | $59,633+29.1% |
| Participation rate | 75.8% | 70.2%+5.6pp | 74.7%+1.0pp | 68.7%+7.1pp |
| Annual return | 0.65% | 2.83%-2.2pp | 8.27%-7.6pp | 2041.45%-2040.8pp |
| Employer contribution / active EE | $916 | $1,539-40.4% | $2,278-59.8% | $2,203-58.4% |
| Participant deferral / active EE | $6,666 | $2,643+152.2% | $3,382+97.1% | $3,192+108.8% |
| Admin fee / account holder | $780 | $3,885-79.9% | $5,275-85.2% | $4,297-81.9% |