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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 | $32,405 | $95,383-66.0% | $185,837-82.6% | $85,856-62.3% |
| Participation rate | 88.2% | 68.8%+19.5pp | 81.7%+6.5pp | 69.3%+18.9pp |
| Annual return | 16.07% | 23.59%-7.5pp | 122.08%-106.0pp | 318.58%-302.5pp |
| Employer contribution / active EE | $1,504 | $3,313-54.6% | $5,168-70.9% | $2,565-41.4% |
| Participant deferral / active EE | $2,132 | $3,423-37.7% | $5,568-61.7% | $3,952-46.1% |
| Admin fee / account holder | $947 | $7,213-86.9% | $16,241-94.2% | $6,261-84.9% |