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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 | $31,374 | $106,280-70.5% | $96,538-67.5% | $139,487-77.5% |
| Participation rate | 93.3% | 77.8%+15.5pp | 74.3%+19.0pp | 80.3%+13.0pp |
| Annual return | 16.84% | 38.48%-21.6pp | 35.74%-18.9pp | 373.84%-357.0pp |
| Employer contribution / active EE | $1,343 | $4,107-67.3% | $3,740-64.1% | $4,755-71.8% |
| Participant deferral / active EE | $1,526 | $5,457-72.0% | $4,880-68.7% | $6,713-77.3% |
| Admin fee / account holder | $5,014 | $7,888-36.4% | $6,737-25.6% | $11,407-56.1% |