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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 | $54,924 | $63,861-14.0% | $104,639-47.5% | $79,856-31.2% |
| Participation rate | 74.1% | 64.9%+9.2pp | 74.1%0pp | 69.6%+4.4pp |
| Annual return | 10.90% | 21.30%-10.4pp | 340.67%-329.8pp | 31.71%-20.8pp |
| Employer contribution / active EE | $831 | $1,588-47.7% | $2,682-69.0% | $2,471-66.4% |
| Participant deferral / active EE | $1,209 | $2,693-55.1% | $3,738-67.7% | $3,741-67.7% |
| Admin fee / account holder | $5,331 | $4,185+27.4% | $6,465-17.6% | $5,306+0.5% |