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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 | $48,097 | $53,128-9.5% | $86,582-44.4% | $70,126-31.4% |
| Participation rate | 75.9% | 65.3%+10.6pp | 73.5%+2.4pp | 69.5%+6.4pp |
| Annual return | 15.92% | 27.66%-11.7pp | 965.08%-949.2pp | 73.15%-57.2pp |
| Employer contribution / active EE | $939 | $2,068-54.6% | $2,839-66.9% | $2,343-59.9% |
| Participant deferral / active EE | $1,876 | $2,695-30.4% | $3,609-48.0% | $3,332-43.7% |
| Admin fee / account holder | $1,499 | $3,584-58.2% | $4,904-69.4% | $4,645-67.7% |