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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 | $48,978 | $69,118-29.1% | $53,647-8.7% | $138,895-64.7% |
| Participation rate | 73.3% | 64.0%+9.4pp | 56.3%+17.1pp | 79.9%-6.6pp |
| Annual return | 15.57% | 248.26%-232.7pp | 358.33%-342.8pp | 145.39%-129.8pp |
| Employer contribution / active EE | $506 | $1,189-57.5% | $962-47.4% | $4,194-87.9% |
| Participant deferral / active EE | $1,001 | $2,274-56.0% | $1,813-44.8% | $6,396-84.3% |
| Admin fee / account holder | $4,511 | $2,724+65.6% | $2,460+83.4% | $12,562-64.1% |