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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 | $72,362 | $72,177+0.3% | $115,037-37.1% | $59,632+21.3% |
| Participation rate | 92.6% | 72.6%+20.1pp | 81.4%+11.3pp | 68.7%+24.0pp |
| Annual return | 1.23% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.32%-2040.1pp |
| Employer contribution / active EE | $1,667 | $2,841-41.3% | $4,608-63.8% | $2,203-24.3% |
| Participant deferral / active EE | $6,411 | $4,783+34.0% | $6,026+6.4% | $3,192+100.9% |
| Admin fee / account holder | $3,536 | $4,927-28.2% | $8,175-56.8% | $4,297-17.7% |