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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 | $47,459 | $49,896-4.9% | $80,627-41.1% | $75,173-36.9% |
| Participation rate | 73.1% | 55.3%+17.8pp | 67.0%+6.1pp | 67.2%+5.9pp |
| Annual return | 30.13% | 34.67%-4.5pp | 936.76%-906.6pp | 160.72%-130.6pp |
| Employer contribution / active EE | $1,932 | $1,699+13.7% | $2,723-29.0% | $2,671-27.7% |
| Participant deferral / active EE | $4,693 | $2,992+56.9% | $4,443+5.6% | $4,126+13.7% |
| Admin fee / account holder | $1,323 | $3,578-63.0% | $5,381-75.4% | $5,651-76.6% |