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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 | $67,027 | $52,678+27.2% | $75,784-11.6% | $59,633+12.4% |
| Participation rate | 97.4% | 67.2%+30.1pp | 75.8%+21.5pp | 68.7%+28.7pp |
| Annual return | 0.43% | 2.95%-2.5pp | 9.68%-9.2pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $2,159 | $2,193-1.6% | $3,323-35.0% | $2,203-2.0% |
| Participant deferral / active EE | $3,590 | $2,591+38.6% | $3,652-1.7% | $3,192+12.5% |
| Admin fee / account holder | $5,153 | $3,610+42.7% | $5,300-2.8% | $4,297+19.9% |