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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 | $48,314-6.5% | $67,561-33.1% | $80,925-44.2% |
| Participation rate | 92.0% | 66.4%+25.6pp | 72.9%+19.1pp | 67.7%+24.3pp |
| Annual return | 15.71% | 18.28%-2.6pp | 3525.44%-3509.7pp | 35.65%-19.9pp |
| Employer contribution / active EE | $1,352 | $2,022-33.1% | $2,735-50.5% | $2,756-50.9% |
| Participant deferral / active EE | $7,642 | $2,927+161.1% | $4,003+90.9% | $4,299+77.8% |
| Admin fee / account holder | $5,372 | $3,690+45.6% | $4,006+34.1% | $6,940-22.6% |