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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 | $65,425 | $71,197-8.1% | $93,669-30.2% | $80,925-19.2% |
| Participation rate | 75.0% | 60.4%+14.6pp | 68.7%+6.3pp | 67.7%+7.3pp |
| Annual return | 10.34% | 11.27%-0.9pp | 133.59%-123.3pp | 35.65%-25.3pp |
| Employer contribution / active EE | $821 | $1,565-47.5% | $2,424-66.1% | $2,756-70.2% |
| Participant deferral / active EE | $2,513 | $4,036-37.7% | $4,416-43.1% | $4,299-41.5% |
| Admin fee / account holder | $6,342 | $6,959-8.9% | $8,291-23.5% | $6,940-8.6% |