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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 | $43,753 | $45,041-2.9% | $63,003-30.6% | $70,131-37.6% |
| Participation rate | 72.2% | 69.5%+2.7pp | 74.8%-2.6pp | 69.5%+2.7pp |
| Annual return | 12.48% | 18.76%-6.3pp | 87.59%-75.1pp | 73.14%-60.7pp |
| Employer contribution / active EE | $1,435 | $2,052-30.1% | $2,760-48.0% | $2,342-38.7% |
| Participant deferral / active EE | $1,745 | $2,465-29.2% | $3,329-47.6% | $3,332-47.6% |
| Admin fee / account holder | $3,142 | $2,836+10.8% | $3,600-12.7% | $4,645-32.4% |