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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 | $33,048 | $87,106-62.1% | $105,607-68.7% | $80,935-59.2% |
| Participation rate | 87.0% | 70.4%+16.6pp | 75.3%+11.7pp | 67.7%+19.4pp |
| Annual return | 12.59% | 17.01%-4.4pp | 116.11%-103.5pp | 35.66%-23.1pp |
| Employer contribution / active EE | $1,759 | $2,396-26.6% | $3,167-44.5% | $2,757-36.2% |
| Participant deferral / active EE | $2,816 | $3,986-29.3% | $5,011-43.8% | $4,299-34.5% |
| Admin fee / account holder | $4,179 | $8,447-50.5% | $10,958-61.9% | $6,924-39.6% |