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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 | $56,063-23.7% | $76,051-43.8% | $80,911-47.1% |
| Participation rate | 85.2% | 62.0%+23.1pp | 69.1%+16.1pp | 67.6%+17.5pp |
| Annual return | 18.06% | 20.54%-2.5pp | 360.42%-342.4pp | 35.63%-17.6pp |
| Employer contribution / active EE | $1,282 | $1,874-31.6% | $2,690-52.3% | $2,756-53.5% |
| Participant deferral / active EE | $4,286 | $3,052+40.4% | $4,257+0.7% | $4,297-0.3% |
| Admin fee / account holder | $2,750 | $5,240-47.5% | $6,416-57.1% | $6,935-60.3% |