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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 | $33,924 | $107,421-68.4% | $182,262-81.4% | $94,015-63.9% |
| Participation rate | 84.6% | 77.8%+6.8pp | 84.2%+0.4pp | 70.8%+13.8pp |
| Annual return | 17.12% | 21.32%-4.2pp | 140.60%-123.5pp | 17.84%-0.7pp |
| Employer contribution / active EE | $1,579 | $3,448-54.2% | $5,046-68.7% | $2,790-43.4% |
| Participant deferral / active EE | $4,658 | $6,558-29.0% | $8,276-43.7% | $4,249+9.6% |
| Admin fee / account holder | $3,211 | $8,692-63.1% | $16,712-80.8% | $8,951-64.1% |