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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 | $55,482 | $60,442-8.2% | $96,754-42.7% | $87,485-36.6% |
| Participation rate | 93.2% | 58.7%+34.5pp | 70.3%+23.0pp | 68.9%+24.3pp |
| Annual return | 17.57% | 21.97%-4.4pp | 82.04%-64.5pp | 26.06%-8.5pp |
| Employer contribution / active EE | $1,244 | $1,691-26.4% | $2,679-53.6% | $2,596-52.1% |
| Participant deferral / active EE | $4,866 | $3,280+48.4% | $4,758+2.3% | $4,274+13.9% |
| Admin fee / account holder | $7,006 | $5,069+38.2% | $8,905-21.3% | $7,775-9.9% |