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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 | $41,899 | $48,364-13.4% | $71,796-41.6% | $62,881-33.4% |
| Participation rate | 96.5% | 60.6%+35.9pp | 69.1%+27.4pp | 69.3%+27.2pp |
| Annual return | 7.65% | 13.16%-5.5pp | 78.04%-70.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $863 | $1,042-17.2% | $1,924-55.2% | $2,281-62.2% |
| Participant deferral / active EE | $2,284 | $2,091+9.2% | $2,794-18.3% | $3,203-28.7% |
| Admin fee / account holder | $1,759 | $3,771-53.4% | $4,815-63.5% | $4,296-59.0% |