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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 | $23,898 | $91,167-73.8% | $178,498-86.6% | $79,858-70.1% |
| Participation rate | 71.4% | 69.2%+2.2pp | 81.9%-10.5pp | 69.6%+1.8pp |
| Annual return | 15.58% | 24.19%-8.6pp | 151.09%-135.5pp | 31.72%-16.1pp |
| Employer contribution / active EE | $2,013 | $3,255-38.2% | $5,011-59.8% | $2,471-18.5% |
| Participant deferral / active EE | $4,068 | $3,236+25.7% | $5,202-21.8% | $3,740+8.8% |
| Admin fee / account holder | $1,888 | $6,747-72.0% | $13,985-86.5% | $5,306-64.4% |