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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 | $15,390 | $51,202-69.9% | $70,548-78.2% | $75,181-79.5% |
| Participation rate | 78.8% | 61.0%+17.8pp | 68.3%+10.4pp | 67.2%+11.6pp |
| Annual return | 13.67% | 30.05%-16.4pp | 32.78%-19.1pp | 160.69%-147.0pp |
| Employer contribution / active EE | $1,611 | $1,827-11.8% | $2,975-45.8% | $2,671-39.7% |
| Participant deferral / active EE | $1,677 | $2,850-41.1% | $4,567-63.3% | $4,126-59.3% |
| Admin fee / account holder | $1,091 | $4,094-73.4% | $6,424-83.0% | $5,650-80.7% |