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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 | $31,522 | $87,132-63.8% | $105,624-70.2% | $80,959-61.1% |
| Participation rate | 84.7% | 70.4%+14.3pp | 75.3%+9.4pp | 67.7%+17.1pp |
| Annual return | 12.52% | 17.03%-4.5pp | 116.20%-103.7pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,911 | $2,397-20.3% | $3,168-39.7% | $2,757-30.7% |
| Participant deferral / active EE | $4,029 | $3,985+1.1% | $5,013-19.6% | $4,300-6.3% |
| Admin fee / account holder | $1,980 | $8,449-76.6% | $10,961-81.9% | $6,925-71.4% |