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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 | $29,358 | $51,638-43.1% | $68,368-57.1% | $82,448-64.4% |
| Participation rate | 79.3% | 63.6%+15.7pp | 73.8%+5.6pp | 68.1%+11.2pp |
| Annual return | 19.59% | 37.53%-17.9pp | 292.57%-273.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,621 | $2,047-20.8% | $2,649-38.8% | $2,551-36.5% |
| Participant deferral / active EE | $3,677 | $2,914+26.2% | $4,123-10.8% | $4,139-11.2% |
| Admin fee / account holder | $1,127 | $4,643-75.7% | $5,150-78.1% | $7,234-84.4% |