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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 | $37,313 | $58,888-36.6% | $178,499-79.1% | $73,493-49.2% |
| Participation rate | 73.0% | 66.2%+6.8pp | 81.9%-8.9pp | 70.7%+2.3pp |
| Annual return | 18.68% | 24.86%-6.2pp | 151.10%-132.4pp | 28.51%-9.8pp |
| Employer contribution / active EE | $1,074 | $2,236-52.0% | $5,011-78.6% | $2,270-52.7% |
| Participant deferral / active EE | $2,585 | $2,568+0.7% | $5,202-50.3% | $3,740-30.9% |
| Admin fee / account holder | $1,572 | $400+292.7% | $13,986-88.8% | $513+206.4% |