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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 | $47,643 | $72,177-34.0% | $115,037-58.6% | $59,633-20.1% |
| Participation rate | 80.3% | 72.6%+7.7pp | 81.4%-1.1pp | 68.7%+11.6pp |
| Annual return | 1.19% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.40%-2040.2pp |
| Employer contribution / active EE | $2,337 | $2,841-17.7% | $4,608-49.3% | $2,203+6.1% |
| Participant deferral / active EE | $4,789 | $4,783+0.1% | $6,026-20.5% | $3,192+50.0% |
| Admin fee / account holder | $2,232 | $4,927-54.7% | $8,175-72.7% | $4,297-48.1% |