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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 | $32,792 | $71,197-53.9% | $93,669-65.0% | $80,925-59.5% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.0pp | 67.7%+15.1pp |
| Annual return | 19.44% | 11.27%+8.2pp | 133.59%-114.1pp | 35.65%-16.2pp |
| Employer contribution / active EE | $1,424 | $1,565-9.0% | $2,424-41.2% | $2,756-48.3% |
| Participant deferral / active EE | $4,623 | $4,036+14.6% | $4,416+4.7% | $4,299+7.6% |
| Admin fee / account holder | $645 | $6,959-90.7% | $8,291-92.2% | $6,940-90.7% |