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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 | $32,754 | $53,128-38.3% | $86,582-62.2% | $70,126-53.3% |
| Participation rate | 80.6% | 65.3%+15.3pp | 73.5%+7.1pp | 69.5%+11.1pp |
| Annual return | 13.98% | 27.66%-13.7pp | 965.08%-951.1pp | 73.15%-59.2pp |
| Employer contribution / active EE | $1,565 | $2,068-24.3% | $2,839-44.9% | $2,343-33.2% |
| Participant deferral / active EE | $4,248 | $2,695+57.6% | $3,609+17.7% | $3,332+27.5% |
| Admin fee / account holder | $2,860 | $3,584-20.2% | $4,904-41.7% | $4,645-38.4% |