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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 | $47,792 | $65,027-26.5% | $90,970-47.5% | $79,852-40.1% |
| Participation rate | 94.4% | 61.6%+32.8pp | 69.0%+25.4pp | 69.6%+24.8pp |
| Annual return | 13.16% | 30.45%-17.3pp | 134.58%-121.4pp | 31.72%-18.6pp |
| Employer contribution / active EE | $1,715 | $1,247+37.5% | $2,122-19.2% | $2,471-30.6% |
| Participant deferral / active EE | $2,989 | $2,512+19.0% | $3,373-11.4% | $3,740-20.1% |
| Admin fee / account holder | $1,333 | $4,535-70.6% | $5,960-77.6% | $5,306-74.9% |