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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 | $50,970 | $65,395-22.1% | $182,531-72.1% | $72,983-30.2% |
| Participation rate | 75.9% | 65.4%+10.4pp | 78.0%-2.1pp | 69.5%+6.4pp |
| Annual return | 24.15% | 27.68%-3.5pp | 148.57%-124.4pp | 81.01%-56.9pp |
| Employer contribution / active EE | $411 | $1,911-78.5% | $4,075-89.9% | $2,440-83.2% |
| Participant deferral / active EE | $2,219 | $3,563-37.7% | $5,525-59.8% | $3,608-38.5% |
| Admin fee / account holder | $1,372 | $4,245-67.7% | $8,593-84.0% | $5,124-73.2% |