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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 | $41,977 | $93,345-55.0% | $119,126-64.8% | $87,485-52.0% |
| Participation rate | 87.5% | 68.7%+18.8pp | 75.8%+11.7pp | 68.9%+18.6pp |
| Annual return | 17.53% | 19.08%-1.5pp | 282.11%-264.6pp | 26.06%-8.5pp |
| Employer contribution / active EE | $0 | $3,172-100.0% | $4,034-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,492 | $4,099+9.6% | $5,318-15.5% | $4,274+5.1% |
| Admin fee / account holder | $744 | $8,039-90.7% | $10,693-93.0% | $7,775-90.4% |