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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 | $31,888 | $52,279-39.0% | $89,414-64.3% | $79,852-60.1% |
| Participation rate | 83.3% | 57.5%+25.8pp | 68.0%+15.3pp | 69.6%+13.7pp |
| Annual return | 17.50% | 22.16%-4.7pp | 245.50%-228.0pp | 31.72%-14.2pp |
| Employer contribution / active EE | $1,395 | $1,572-11.2% | $2,586-46.1% | $2,471-43.5% |
| Participant deferral / active EE | $3,808 | $2,740+39.0% | $3,890-2.1% | $3,740+1.8% |
| Admin fee / account holder | $1,104 | $3,356-67.1% | $4,883-77.4% | $5,306-79.2% |