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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 | $33,381 | $78,428-57.4% | $95,960-65.2% | $79,852-58.2% |
| Participation rate | 90.9% | 73.5%+17.4pp | 77.1%+13.8pp | 69.6%+21.3pp |
| Annual return | 16.34% | 19.37%-3.0pp | 91.63%-75.3pp | 31.72%-15.4pp |
| Employer contribution / active EE | $1,002 | $1,945-48.5% | $2,541-60.6% | $2,471-59.5% |
| Participant deferral / active EE | $4,400 | $3,440+27.9% | $4,167+5.6% | $3,740+17.6% |
| Admin fee / account holder | $1,981 | $5,622-64.8% | $6,797-70.9% | $5,306-62.7% |