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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 | $19,960 | $65,367-69.5% | $92,915-78.5% | $72,976-72.6% |
| Participation rate | 76.2% | 68.3%+7.9pp | 76.0%+0.2pp | 69.5%+6.7pp |
| Annual return | 23.51% | 42.11%-18.6pp | 109.45%-85.9pp | 81.02%-57.5pp |
| Employer contribution / active EE | $1,728 | $2,594-33.4% | $3,653-52.7% | $2,440-29.2% |
| Participant deferral / active EE | $3,180 | $3,128+1.7% | $4,238-25.0% | $3,608-11.8% |
| Admin fee / account holder | $832 | $4,251-80.4% | $5,796-85.6% | $5,124-83.8% |