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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 | $32,635 | $51,638-36.8% | $68,368-52.3% | $82,448-60.4% |
| Participation rate | 94.7% | 63.6%+31.1pp | 73.8%+21.0pp | 68.1%+26.7pp |
| Annual return | 17.83% | 37.53%-19.7pp | 292.57%-274.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,975 | $2,047-3.5% | $2,649-25.4% | $2,551-22.6% |
| Participant deferral / active EE | $4,303 | $2,914+47.7% | $4,123+4.4% | $4,139+4.0% |
| Admin fee / account holder | $1,058 | $4,643-77.2% | $5,150-79.5% | $7,234-85.4% |