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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 | $45,192 | $48,337-6.5% | $67,560-33.1% | $80,959-44.2% |
| Participation rate | 92.0% | 66.4%+25.6pp | 72.9%+19.1pp | 67.7%+24.3pp |
| Annual return | 15.71% | 18.26%-2.6pp | 3533.50%-3517.8pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,352 | $2,023-33.1% | $2,737-50.6% | $2,757-50.9% |
| Participant deferral / active EE | $7,642 | $2,928+161.0% | $4,004+90.8% | $4,300+77.7% |
| Admin fee / account holder | $5,372 | $3,695+45.4% | $3,994+34.5% | $6,925-22.4% |