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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 | $61,262 | $52,279+17.2% | $89,414-31.5% | $79,852-23.3% |
| Participation rate | 71.4% | 57.5%+13.9pp | 68.0%+3.4pp | 69.6%+1.8pp |
| Annual return | 12.42% | 22.16%-9.7pp | 245.50%-233.1pp | 31.72%-19.3pp |
| Employer contribution / active EE | $1,029 | $1,572-34.5% | $2,586-60.2% | $2,471-58.4% |
| Participant deferral / active EE | $1,776 | $2,740-35.2% | $3,890-54.3% | $3,740-52.5% |
| Admin fee / account holder | $2,303 | $3,356-31.4% | $4,883-52.8% | $5,306-56.6% |