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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 | $41,617 | $95,406-56.4% | $185,849-77.6% | $85,847-51.5% |
| Participation rate | 78.3% | 68.8%+9.5pp | 81.7%-3.4pp | 69.3%+9.0pp |
| Annual return | 11.77% | 23.59%-11.8pp | 122.10%-110.3pp | 318.61%-306.8pp |
| Employer contribution / active EE | $1,346 | $3,314-59.4% | $5,169-74.0% | $2,565-47.5% |
| Participant deferral / active EE | $2,503 | $3,424-26.9% | $5,569-55.1% | $3,952-36.7% |
| Admin fee / account holder | $413 | $7,214-94.3% | $16,244-97.5% | $6,261-93.4% |