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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 | $54,494 | $48,364+12.7% | $71,796-24.1% | $62,881-13.3% |
| Participation rate | 87.5% | 60.6%+26.9pp | 69.1%+18.4pp | 69.3%+18.2pp |
| Annual return | 6.98% | 13.16%-6.2pp | 78.04%-71.1pp | 20.14%-13.2pp |
| Employer contribution / active EE | $835 | $1,042-19.8% | $1,924-56.6% | $2,281-63.4% |
| Participant deferral / active EE | $3,185 | $2,091+52.3% | $2,794+14.0% | $3,203-0.5% |
| Admin fee / account holder | $2,199 | $3,771-41.7% | $4,815-54.3% | $4,296-48.8% |