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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 | $45,041-42.1% | $63,003-58.6% | $70,131-62.8% |
| Participation rate | 84.4% | 69.5%+14.8pp | 74.8%+9.6pp | 69.5%+14.8pp |
| Annual return | 17.52% | 18.76%-1.2pp | 87.59%-70.1pp | 73.14%-55.6pp |
| Employer contribution / active EE | $1,456 | $2,052-29.1% | $2,760-47.3% | $2,342-37.9% |
| Participant deferral / active EE | $6,216 | $2,465+152.1% | $3,329+86.7% | $3,332+86.6% |
| Admin fee / account holder | $1,140 | $2,836-59.8% | $3,600-68.3% | $4,645-75.5% |