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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 | $48,088 | $54,763-12.2% | $90,324-46.8% | $72,976-34.1% |
| Participation rate | 72.7% | 65.2%+7.6pp | 73.3%-0.6pp | 69.5%+3.2pp |
| Annual return | 22.26% | 30.63%-8.4pp | 78.15%-55.9pp | 81.02%-58.8pp |
| Employer contribution / active EE | $675 | $2,093-67.8% | $2,856-76.4% | $2,440-72.4% |
| Participant deferral / active EE | $1,871 | $2,887-35.2% | $3,885-51.9% | $3,608-48.1% |
| Admin fee / account holder | $10,952 | $3,973+175.6% | $5,356+104.5% | $5,124+113.7% |