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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 | $64,572 | $70,435-8.3% | $96,575-33.1% | $85,856-24.8% |
| Participation rate | 82.5% | 61.8%+20.7pp | 69.8%+12.7pp | 69.3%+13.2pp |
| Annual return | 13.22% | 18.59%-5.4pp | 37.79%-24.6pp | 318.58%-305.4pp |
| Employer contribution / active EE | $1,314 | $1,413-7.0% | $2,357-44.3% | $2,565-48.8% |
| Participant deferral / active EE | $3,161 | $2,894+9.2% | $3,849-17.9% | $3,952-20.0% |
| Admin fee / account holder | $1,342 | $4,997-73.2% | $6,182-78.3% | $6,261-78.6% |