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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 | $65,500 | $71,215-8.0% | $93,696-30.1% | $80,935-19.1% |
| Participation rate | 93.1% | 60.4%+32.7pp | 68.7%+24.4pp | 67.7%+25.4pp |
| Annual return | 10.27% | 11.27%-1.0pp | 133.74%-123.5pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,207 | $1,565-22.9% | $2,422-50.2% | $2,757-56.2% |
| Participant deferral / active EE | $3,944 | $4,037-2.3% | $4,417-10.7% | $4,299-8.3% |
| Admin fee / account holder | $2,396 | $6,958-65.6% | $8,287-71.1% | $6,924-65.4% |