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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 | $21,315 | $91,179-76.6% | $178,499-88.1% | $79,852-73.3% |
| Participation rate | 73.5% | 69.2%+4.3pp | 81.9%-8.5pp | 69.6%+3.8pp |
| Annual return | 20.44% | 24.19%-3.8pp | 151.10%-130.7pp | 31.72%-11.3pp |
| Employer contribution / active EE | $1,256 | $3,256-61.4% | $5,011-74.9% | $2,471-49.2% |
| Participant deferral / active EE | $1,555 | $3,236-51.9% | $5,202-70.1% | $3,740-58.4% |
| Admin fee / account holder | $449 | $6,749-93.3% | $13,986-96.8% | $5,306-91.5% |