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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 | $49,092 | $53,128-7.6% | $86,582-43.3% | $70,126-30.0% |
| Participation rate | 80.0% | 65.3%+14.7pp | 73.5%+6.5pp | 69.5%+10.5pp |
| Annual return | 14.23% | 27.66%-13.4pp | 965.08%-950.9pp | 73.15%-58.9pp |
| Employer contribution / active EE | $1,492 | $2,068-27.9% | $2,839-47.5% | $2,343-36.3% |
| Participant deferral / active EE | $3,246 | $2,695+20.4% | $3,609-10.0% | $3,332-2.6% |
| Admin fee / account holder | $8,302 | $3,584+131.7% | $4,904+69.3% | $4,645+78.7% |