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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 | $31,653 | $65,034-51.3% | $90,970-65.2% | $79,856-60.4% |
| Participation rate | 73.5% | 61.6%+11.9pp | 69.0%+4.5pp | 69.6%+3.9pp |
| Annual return | 14.86% | 30.45%-15.6pp | 134.60%-119.7pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,227 | $1,247-1.6% | $2,122-42.2% | $2,471-50.3% |
| Participant deferral / active EE | $2,555 | $2,512+1.7% | $3,373-24.2% | $3,741-31.7% |
| Admin fee / account holder | $1,360 | $4,536-70.0% | $5,961-77.2% | $5,306-74.4% |