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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 | $71,230-54.0% | $93,727-65.0% | $80,959-59.5% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.0pp | 67.7%+15.1pp |
| Annual return | 19.44% | 11.26%+8.2pp | 133.83%-114.4pp | 35.67%-16.2pp |
| Employer contribution / active EE | $1,424 | $1,565-9.0% | $2,421-41.2% | $2,757-48.3% |
| Participant deferral / active EE | $4,623 | $4,037+14.5% | $4,417+4.7% | $4,300+7.5% |
| Admin fee / account holder | $645 | $6,961-90.7% | $8,292-92.2% | $6,925-90.7% |