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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 | $23,080 | $65,395-64.7% | $182,540-87.4% | $72,975-68.4% |
| Participation rate | 75.9% | 65.4%+10.4pp | 78.0%-2.1pp | 69.5%+6.4pp |
| Annual return | 23.05% | 27.68%-4.6pp | 148.58%-125.5pp | 81.01%-58.0pp |
| Employer contribution / active EE | $1,272 | $1,911-33.5% | $4,076-68.8% | $2,440-47.9% |
| Participant deferral / active EE | $2,043 | $3,563-42.7% | $5,525-63.0% | $3,608-43.4% |
| Admin fee / account holder | $2,358 | $4,245-44.4% | $8,593-72.6% | $5,124-54.0% |