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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 | $46,280 | $47,944-3.5% | $67,834-31.8% | $62,881-26.4% |
| Participation rate | 75.0% | 61.1%+13.9pp | 68.8%+6.2pp | 69.3%+5.7pp |
| Annual return | 8.85% | 11.77%-2.9pp | 138.47%-129.6pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,836 | $1,562+17.6% | $2,403-23.6% | $2,281-19.5% |
| Participant deferral / active EE | $3,338 | $2,247+48.6% | $3,160+5.6% | $3,203+4.2% |
| Admin fee / account holder | $558 | $3,712-85.0% | $4,622-87.9% | $4,296-87.0% |