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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 | $32,421 | $77,908-58.4% | $149,696-78.3% | $75,173-56.9% |
| Participation rate | 88.1% | 65.6%+22.5pp | 78.8%+9.3pp | 67.2%+20.9pp |
| Annual return | 15.31% | 31.73%-16.4pp | 134.46%-119.2pp | 160.72%-145.4pp |
| Employer contribution / active EE | $1,960 | $3,138-37.5% | $4,821-59.3% | $2,671-26.6% |
| Participant deferral / active EE | $3,442 | $3,411+0.9% | $5,682-39.4% | $4,126-16.6% |
| Admin fee / account holder | $3,980 | $5,950-33.1% | $13,212-69.9% | $5,651-29.6% |