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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 | $30,114 | $65,364-53.9% | $92,909-67.6% | $72,975-58.7% |
| Participation rate | 78.9% | 68.3%+10.6pp | 76.0%+2.9pp | 69.5%+9.5pp |
| Annual return | 18.78% | 42.11%-23.3pp | 109.44%-90.7pp | 81.01%-62.2pp |
| Employer contribution / active EE | $1,736 | $2,594-33.1% | $3,653-52.5% | $2,440-28.9% |
| Participant deferral / active EE | $2,973 | $3,128-5.0% | $4,238-29.8% | $3,608-17.6% |
| Admin fee / account holder | $2,149 | $4,251-49.4% | $5,795-62.9% | $5,124-58.1% |