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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 | $43,827 | $53,837-18.6% | $75,714-42.1% | $85,847-48.9% |
| Participation rate | 91.7% | 69.1%+22.6pp | 74.8%+16.8pp | 69.3%+22.3pp |
| Annual return | 16.60% | 24.54%-7.9pp | 104.62%-88.0pp | 318.61%-302.0pp |
| Employer contribution / active EE | $1,362 | $2,017-32.5% | $2,744-50.3% | $2,565-46.9% |
| Participant deferral / active EE | $7,556 | $2,895+161.0% | $3,820+97.8% | $3,952+91.2% |
| Admin fee / account holder | $3,102 | $3,339-7.1% | $3,619-14.3% | $6,261-50.4% |