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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 | $51,184-6.5% | $66,439-27.9% | $86,983-45.0% |
| Participation rate | 74.2% | 68.5%+5.7pp | 74.5%-0.3pp | 69.5%+4.7pp |
| Annual return | 12.75% | 17.07%-4.3pp | 757.66%-744.9pp | 25.83%-13.1pp |
| Employer contribution / active EE | $1,774 | $2,023-12.3% | $2,637-32.7% | $2,584-31.4% |
| Participant deferral / active EE | $2,213 | $2,927-24.4% | $3,876-42.9% | $4,194-47.2% |
| Admin fee / account holder | $4,079 | $4,154-1.8% | $6,173-33.9% | $7,856-48.1% |