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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 | $62,214 | $65,034-4.3% | $90,970-31.6% | $79,856-22.1% |
| Participation rate | 81.0% | 61.6%+19.3pp | 69.0%+11.9pp | 69.6%+11.3pp |
| Annual return | 16.20% | 30.45%-14.3pp | 134.60%-118.4pp | 31.71%-15.5pp |
| Employer contribution / active EE | $394 | $1,247-68.4% | $2,122-81.4% | $2,471-84.1% |
| Participant deferral / active EE | $2,882 | $2,512+14.7% | $3,373-14.6% | $3,741-23.0% |
| Admin fee / account holder | $1,168 | $4,536-74.3% | $5,961-80.4% | $5,306-78.0% |