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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 | $53,281 | $58,311-8.6% | $81,882-34.9% | $80,959-34.2% |
| Participation rate | 92.3% | 63.5%+28.8pp | 72.4%+19.9pp | 67.7%+24.6pp |
| Annual return | 15.89% | 41.85%-26.0pp | 779.47%-763.6pp | 35.67%-19.8pp |
| Employer contribution / active EE | $1,290 | $2,347-45.0% | $2,916-55.8% | $2,757-53.2% |
| Participant deferral / active EE | $2,802 | $3,287-14.7% | $4,323-35.2% | $4,300-34.8% |
| Admin fee / account holder | $3,895 | $4,752-18.0% | $7,360-47.1% | $6,925-43.8% |