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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 | $29,009 | $78,423-63.0% | $95,964-69.8% | $79,856-63.7% |
| Participation rate | 77.6% | 73.5%+4.1pp | 77.1%+0.5pp | 69.6%+8.0pp |
| Annual return | 17.01% | 19.37%-2.4pp | 91.64%-74.6pp | 31.71%-14.7pp |
| Employer contribution / active EE | $1,230 | $1,945-36.8% | $2,541-51.6% | $2,471-50.2% |
| Participant deferral / active EE | $2,570 | $3,440-25.3% | $4,167-38.3% | $3,741-31.3% |
| Admin fee / account holder | $2,258 | $5,622-59.8% | $6,797-66.8% | $5,306-57.4% |