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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 | $42,124 | $48,364-12.9% | $71,796-41.3% | $62,881-33.0% |
| Participation rate | 74.4% | 60.6%+13.7pp | 69.1%+5.2pp | 69.3%+5.1pp |
| Annual return | 7.51% | 13.16%-5.6pp | 78.04%-70.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $516 | $1,042-50.5% | $1,924-73.2% | $2,281-77.4% |
| Participant deferral / active EE | $1,507 | $2,091-27.9% | $2,794-46.1% | $3,203-52.9% |
| Admin fee / account holder | $3,627 | $3,771-3.8% | $4,815-24.7% | $4,296-15.6% |