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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 | $57,600 | $65,034-11.4% | $90,970-36.7% | $79,856-27.9% |
| Participation rate | 84.9% | 61.6%+23.3pp | 69.0%+15.9pp | 69.6%+15.3pp |
| Annual return | 12.11% | 30.45%-18.3pp | 134.60%-122.5pp | 31.71%-19.6pp |
| Employer contribution / active EE | $941 | $1,247-24.6% | $2,122-55.7% | $2,471-61.9% |
| Participant deferral / active EE | $4,700 | $2,512+87.1% | $3,373+39.4% | $3,741+25.7% |
| Admin fee / account holder | $1,892 | $4,536-58.3% | $5,961-68.3% | $5,306-64.3% |