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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 | $57,436 | $49,976+14.9% | $66,674-13.9% | $82,637-30.5% |
| Participation rate | 70.8% | 63.1%+7.7pp | 73.7%-2.9pp | 68.1%+2.7pp |
| Annual return | 20.94% | 39.09%-18.1pp | 321.24%-300.3pp | 53.51%-32.6pp |
| Employer contribution / active EE | $1,226 | $1,988-38.3% | $2,620-53.2% | $2,552-52.0% |
| Participant deferral / active EE | $2,926 | $2,847+2.8% | $4,084-28.3% | $4,126-29.1% |
| Admin fee / account holder | $1,991 | $4,594-56.7% | $5,098-61.0% | $7,339-72.9% |