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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 | $48,560 | $51,638-6.0% | $68,368-29.0% | $82,448-41.1% |
| Participation rate | 79.6% | 63.6%+16.0pp | 73.8%+5.8pp | 68.1%+11.5pp |
| Annual return | 16.23% | 37.53%-21.3pp | 292.57%-276.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,085 | $2,047-47.0% | $2,649-59.1% | $2,551-57.5% |
| Participant deferral / active EE | $3,190 | $2,914+9.5% | $4,123-22.6% | $4,139-22.9% |
| Admin fee / account holder | $1,083 | $4,643-76.7% | $5,150-79.0% | $7,234-85.0% |