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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 | $25,943 | $79,961-67.6% | $98,462-73.7% | $75,177-65.5% |
| Participation rate | 80.6% | 70.4%+10.3pp | 75.2%+5.5pp | 67.2%+13.4pp |
| Annual return | 13.40% | 19.75%-6.4pp | 21.17%-7.8pp | 160.75%-147.4pp |
| Employer contribution / active EE | $1,452 | $2,264-35.9% | $3,049-52.4% | $2,671-45.7% |
| Participant deferral / active EE | $2,895 | $3,753-22.9% | $4,738-38.9% | $4,126-29.8% |
| Admin fee / account holder | $479 | $6,842-93.0% | $8,875-94.6% | $5,651-91.5% |