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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 | $44,323 | $65,364-32.2% | $92,909-52.3% | $72,975-39.3% |
| Participation rate | 92.1% | 68.3%+23.8pp | 76.0%+16.1pp | 69.5%+22.6pp |
| Annual return | 17.69% | 42.11%-24.4pp | 109.44%-91.7pp | 81.01%-63.3pp |
| Employer contribution / active EE | $1,205 | $2,594-53.6% | $3,653-67.0% | $2,440-50.6% |
| Participant deferral / active EE | $2,353 | $3,128-24.8% | $4,238-44.5% | $3,608-34.8% |
| Admin fee / account holder | $1,778 | $4,251-58.2% | $5,795-69.3% | $5,124-65.3% |