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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 | $47,876 | $50,554-5.3% | $67,681-29.3% | $87,485-45.3% |
| Participation rate | 74.2% | 67.7%+6.5pp | 73.7%+0.5pp | 68.9%+5.3pp |
| Annual return | 12.75% | 17.81%-5.1pp | 590.58%-577.8pp | 26.06%-13.3pp |
| Employer contribution / active EE | $1,774 | $1,988-10.8% | $2,678-33.8% | $2,596-31.7% |
| Participant deferral / active EE | $2,213 | $2,961-25.3% | $3,976-44.3% | $4,274-48.2% |
| Admin fee / account holder | $4,079 | $4,132-1.3% | $6,100-33.1% | $7,775-47.5% |