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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 | $44,421 | $53,128-16.4% | $86,582-48.7% | $70,126-36.7% |
| Participation rate | 70.5% | 65.3%+5.2pp | 73.5%-3.0pp | 69.5%+1.0pp |
| Annual return | 15.71% | 27.66%-11.9pp | 965.08%-949.4pp | 73.15%-57.4pp |
| Employer contribution / active EE | $672 | $2,068-67.5% | $2,839-76.3% | $2,343-71.3% |
| Participant deferral / active EE | $1,955 | $2,695-27.4% | $3,609-45.8% | $3,332-41.3% |
| Admin fee / account holder | $3,032 | $3,584-15.4% | $4,904-38.2% | $4,645-34.7% |