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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 | $67,035 | $52,678+27.3% | $75,784-11.5% | $59,633+12.4% |
| Participation rate | 96.0% | 67.2%+28.8pp | 75.8%+20.2pp | 68.7%+27.3pp |
| Annual return | -2.46% | 2.95%-5.4pp | 9.68%-12.1pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $1,847 | $2,193-15.8% | $3,323-44.4% | $2,203-16.1% |
| Participant deferral / active EE | $4,128 | $2,591+59.3% | $3,652+13.0% | $3,192+29.3% |
| Admin fee / account holder | $5,287 | $3,610+46.5% | $5,300-0.2% | $4,297+23.0% |