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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 | $29,248 | $62,672-53.3% | $185,117-84.2% | $70,126-58.3% |
| Participation rate | 84.8% | 63.8%+21.1pp | 77.3%+7.6pp | 69.5%+15.3pp |
| Annual return | 18.56% | 40.79%-22.2pp | 40.50%-21.9pp | 73.15%-54.6pp |
| Employer contribution / active EE | $1,179 | $1,753-32.8% | $4,182-71.8% | $2,343-49.7% |
| Participant deferral / active EE | $2,131 | $3,272-34.9% | $5,045-57.8% | $3,332-36.0% |
| Admin fee / account holder | $342 | $3,932-91.3% | $8,159-95.8% | $4,645-92.6% |