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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 | $57,069 | $65,034-12.2% | $90,970-37.3% | $79,856-28.5% |
| Participation rate | 78.9% | 61.6%+17.3pp | 69.0%+9.9pp | 69.6%+9.3pp |
| Annual return | 15.38% | 30.45%-15.1pp | 134.60%-119.2pp | 31.71%-16.3pp |
| Employer contribution / active EE | $1,251 | $1,247+0.2% | $2,122-41.1% | $2,471-49.4% |
| Participant deferral / active EE | $4,229 | $2,512+68.4% | $3,373+25.4% | $3,741+13.1% |
| Admin fee / account holder | $1,052 | $4,536-76.8% | $5,961-82.4% | $5,306-80.2% |