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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 | $28,552 | $52,678-45.8% | $75,784-62.3% | $59,633-52.1% |
| Participation rate | 90.5% | 67.2%+23.3pp | 75.8%+14.7pp | 68.7%+21.9pp |
| Annual return | 0.07% | 2.95%-2.9pp | 9.68%-9.6pp | 2041.45%-2041.4pp |
| Employer contribution / active EE | $3,607 | $2,193+64.5% | $3,323+8.5% | $2,203+63.8% |
| Participant deferral / active EE | $2,885 | $2,591+11.3% | $3,652-21.0% | $3,192-9.6% |
| Admin fee / account holder | $3,244 | $3,610-10.1% | $5,300-38.8% | $4,297-24.5% |