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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 | $39,924 | $68,852-42.0% | $120,524-66.9% | $80,925-50.7% |
| Participation rate | 83.8% | 61.6%+22.2pp | 71.9%+11.9pp | 67.7%+16.1pp |
| Annual return | 10.91% | 23.67%-12.8pp | 107.36%-96.5pp | 35.65%-24.7pp |
| Employer contribution / active EE | $2,385 | $2,063+15.6% | $3,469-31.2% | $2,756-13.5% |
| Participant deferral / active EE | $2,554 | $3,187-19.8% | $4,994-48.8% | $4,299-40.6% |
| Admin fee / account holder | $2,529 | $5,781-56.3% | $9,440-73.2% | $6,940-63.6% |