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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 | $24,863 | $81,233-69.4% | $155,567-84.0% | $80,874-69.3% |
| Participation rate | 81.2% | 66.2%+14.9pp | 78.2%+3.0pp | 67.6%+13.5pp |
| Annual return | 14.17% | 33.33%-19.2pp | 64.74%-50.6pp | 35.62%-21.4pp |
| Employer contribution / active EE | $1,757 | $3,101-43.3% | $4,674-62.4% | $2,756-36.2% |
| Participant deferral / active EE | $2,918 | $3,452-15.5% | $5,628-48.1% | $4,297-32.1% |
| Admin fee / account holder | $969 | $7,998-87.9% | $15,916-93.9% | $6,935-86.0% |