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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 | $42,771 | $55,889-23.5% | $76,119-43.8% | $80,935-47.2% |
| Participation rate | 85.2% | 62.1%+23.1pp | 69.1%+16.1pp | 67.7%+17.5pp |
| Annual return | 18.06% | 20.58%-2.5pp | 361.25%-343.2pp | 35.66%-17.6pp |
| Employer contribution / active EE | $1,282 | $1,866-31.3% | $2,693-52.4% | $2,757-53.5% |
| Participant deferral / active EE | $4,286 | $3,051+40.5% | $4,259+0.6% | $4,299-0.3% |
| Admin fee / account holder | $2,750 | $5,241-47.5% | $6,421-57.2% | $6,924-60.3% |