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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 | $49,938 | $61,125-18.3% | $94,057-46.9% | $87,485-42.9% |
| Participation rate | 87.3% | 64.1%+23.2pp | 73.3%+14.0pp | 68.9%+18.4pp |
| Annual return | 15.05% | 35.20%-20.1pp | 480.62%-465.6pp | 26.06%-11.0pp |
| Employer contribution / active EE | $2,160 | $2,136+1.1% | $2,933-26.4% | $2,596-16.8% |
| Participant deferral / active EE | $4,144 | $3,260+27.1% | $4,709-12.0% | $4,274-3.0% |
| Admin fee / account holder | $842 | $5,629-85.0% | $7,244-88.4% | $7,775-89.2% |