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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 | $53,946 | $53,128+1.5% | $86,582-37.7% | $70,126-23.1% |
| Participation rate | 70.7% | 65.3%+5.4pp | 73.5%-2.9pp | 69.5%+1.1pp |
| Annual return | 20.25% | 27.66%-7.4pp | 965.08%-944.8pp | 73.15%-52.9pp |
| Employer contribution / active EE | $780 | $2,068-62.3% | $2,839-72.5% | $2,343-66.7% |
| Participant deferral / active EE | $3,108 | $2,695+15.3% | $3,609-13.9% | $3,332-6.7% |
| Admin fee / account holder | $1,818 | $3,584-49.3% | $4,904-62.9% | $4,645-60.9% |