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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 | $47,479+0.8% | $62,929-23.9% | $82,448-41.9% |
| Participation rate | 74.2% | 66.9%+7.4pp | 73.1%+1.1pp | 68.1%+6.2pp |
| Annual return | 12.75% | 20.34%-7.6pp | 1063.93%-1051.2pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,774 | $1,885-5.9% | $2,505-29.2% | $2,551-30.5% |
| Participant deferral / active EE | $2,213 | $2,870-22.9% | $3,888-43.1% | $4,139-46.5% |
| Admin fee / account holder | $4,079 | $3,804+7.2% | $5,065-19.5% | $7,234-43.6% |