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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 | $32,238 | $65,704-50.9% | $94,229-65.8% | $59,633-45.9% |
| Participation rate | 81.5% | 72.1%+9.4pp | 78.8%+2.7pp | 68.7%+12.8pp |
| Annual return | 2.14% | 5.22%-3.1pp | 10.68%-8.5pp | 2041.45%-2039.3pp |
| Employer contribution / active EE | $438 | $2,021-78.3% | $3,587-87.8% | $2,203-80.1% |
| Participant deferral / active EE | $4,659 | $3,143+48.2% | $4,320+7.8% | $3,192+46.0% |
| Admin fee / account holder | $3,137 | $4,265-26.4% | $6,269-50.0% | $4,297-27.0% |