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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 | $23,098 | $81,358-71.6% | $155,556-85.2% | $80,959-71.5% |
| Participation rate | 80.6% | 66.3%+14.4pp | 78.2%+2.4pp | 67.7%+13.0pp |
| Annual return | 19.68% | 33.39%-13.7pp | 64.84%-45.2pp | 35.67%-16.0pp |
| Employer contribution / active EE | $1,371 | $3,106-55.9% | $4,675-70.7% | $2,757-50.3% |
| Participant deferral / active EE | $1,912 | $3,455-44.7% | $5,631-66.0% | $4,300-55.5% |
| Admin fee / account holder | $785 | $7,994-90.2% | $15,885-95.1% | $6,925-88.7% |