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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 | $47,654 | $113,941-58.2% | $94,229-49.4% | $125,389-62.0% |
| Participation rate | 89.5% | 82.9%+6.6pp | 78.8%+10.7pp | 83.2%+6.3pp |
| Annual return | 1.32% | 5.29%-4.0pp | 10.68%-9.4pp | 282.24%-280.9pp |
| Employer contribution / active EE | $4,559 | $4,727-3.6% | $3,587+27.1% | $4,866-6.3% |
| Participant deferral / active EE | $5,288 | $5,179+2.1% | $4,320+22.4% | $5,352-1.2% |
| Admin fee / account holder | $354 | $8,392-95.8% | $6,269-94.4% | $9,541-96.3% |