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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 | $34,206 | $47,944-28.7% | $67,834-49.6% | $62,881-45.6% |
| Participation rate | 83.8% | 61.1%+22.7pp | 68.8%+15.0pp | 69.3%+14.5pp |
| Annual return | 6.25% | 11.77%-5.5pp | 138.47%-132.2pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,587 | $1,562+1.6% | $2,403-34.0% | $2,281-30.4% |
| Participant deferral / active EE | $2,347 | $2,247+4.5% | $3,160-25.7% | $3,203-26.7% |
| Admin fee / account holder | $2,705 | $3,712-27.1% | $4,622-41.5% | $4,296-37.0% |