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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 | $18,409 | $95,406-80.7% | $185,849-90.1% | $85,847-78.6% |
| Participation rate | 71.8% | 68.8%+3.1pp | 81.7%-9.9pp | 69.3%+2.5pp |
| Annual return | 12.04% | 23.59%-11.5pp | 122.10%-110.1pp | 318.61%-306.6pp |
| Employer contribution / active EE | $1,840 | $3,314-44.5% | $5,169-64.4% | $2,565-28.3% |
| Participant deferral / active EE | $2,988 | $3,424-12.7% | $5,569-46.3% | $3,952-24.4% |
| Admin fee / account holder | $408 | $7,214-94.3% | $16,244-97.5% | $6,261-93.5% |