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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 | $36,796 | $91,167-59.6% | $178,498-79.4% | $79,858-53.9% |
| Participation rate | 84.6% | 69.2%+15.4pp | 81.9%+2.7pp | 69.6%+15.0pp |
| Annual return | 13.78% | 24.19%-10.4pp | 151.09%-137.3pp | 31.72%-17.9pp |
| Employer contribution / active EE | $3,164 | $3,255-2.8% | $5,011-36.9% | $2,471+28.0% |
| Participant deferral / active EE | $2,055 | $3,236-36.5% | $5,202-60.5% | $3,740-45.1% |
| Admin fee / account holder | $1,444 | $6,747-78.6% | $13,985-89.7% | $5,306-72.8% |