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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 | $43,845 | $97,125-54.9% | $86,233-49.2% | $137,256-68.1% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.0%+18.5pp | 80.0%+7.5pp |
| Annual return | 13.94% | 74.19%-60.2pp | 61.39%-47.4pp | 220.34%-206.4pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $2,504-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $3,079 | $5,180-40.6% | $4,559-32.5% | $6,407-51.9% |
| Admin fee / account holder | $4,554 | $9,725-53.2% | $8,342-45.4% | $12,270-62.9% |