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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 | $26,061 | $45,050-42.2% | $63,018-58.6% | $70,126-62.8% |
| Participation rate | 84.4% | 69.5%+14.9pp | 74.8%+9.6pp | 69.5%+14.8pp |
| Annual return | 17.52% | 18.76%-1.2pp | 87.62%-70.1pp | 73.15%-55.6pp |
| Employer contribution / active EE | $1,456 | $2,052-29.0% | $2,761-47.3% | $2,343-37.9% |
| Participant deferral / active EE | $6,216 | $2,466+152.1% | $3,330+86.7% | $3,332+86.6% |
| Admin fee / account holder | $1,140 | $2,834-59.8% | $3,601-68.3% | $4,645-75.5% |