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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 | $45,965 | $98,766-53.5% | $149,730-69.3% | $79,852-42.4% |
| Participation rate | 94.7% | 75.8%+19.0pp | 82.5%+12.3pp | 69.6%+25.1pp |
| Annual return | 12.54% | 27.43%-14.9pp | 276.70%-264.2pp | 31.72%-19.2pp |
| Employer contribution / active EE | $1,557 | $3,217-51.6% | $4,645-66.5% | $2,471-37.0% |
| Participant deferral / active EE | $3,665 | $5,681-35.5% | $6,843-46.4% | $3,740-2.0% |
| Admin fee / account holder | $6,310 | $6,052+4.3% | $9,310-32.2% | $5,306+18.9% |