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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 | $43,214 | $47,944-9.9% | $67,834-36.3% | $62,881-31.3% |
| Participation rate | 86.5% | 61.1%+25.4pp | 68.8%+17.7pp | 69.3%+17.2pp |
| Annual return | 7.58% | 11.77%-4.2pp | 138.47%-130.9pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,174 | $1,562-24.8% | $2,403-51.2% | $2,281-48.5% |
| Participant deferral / active EE | $3,538 | $2,247+57.5% | $3,160+12.0% | $3,203+10.4% |
| Admin fee / account holder | $2,002 | $3,712-46.1% | $4,622-56.7% | $4,296-53.4% |