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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 | $42,382 | $65,034-34.8% | $90,970-53.4% | $79,856-46.9% |
| Participation rate | 77.6% | 61.6%+16.0pp | 69.0%+8.6pp | 69.6%+8.0pp |
| Annual return | 12.24% | 30.45%-18.2pp | 134.60%-122.4pp | 31.71%-19.5pp |
| Employer contribution / active EE | $1,881 | $1,247+50.8% | $2,122-11.4% | $2,471-23.9% |
| Participant deferral / active EE | $4,743 | $2,512+88.8% | $3,373+40.6% | $3,741+26.8% |
| Admin fee / account holder | $7,465 | $4,536+64.6% | $5,961+25.2% | $5,306+40.7% |