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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 | $28,812 | $78,423-63.3% | $95,964-70.0% | $79,856-63.9% |
| Participation rate | 79.6% | 73.5%+6.1pp | 77.1%+2.5pp | 69.6%+10.0pp |
| Annual return | 15.49% | 19.37%-3.9pp | 91.64%-76.2pp | 31.71%-16.2pp |
| Employer contribution / active EE | $1,280 | $1,945-34.2% | $2,541-49.7% | $2,471-48.2% |
| Participant deferral / active EE | $3,605 | $3,440+4.8% | $4,167-13.5% | $3,741-3.6% |
| Admin fee / account holder | $2,538 | $5,622-54.8% | $6,797-62.7% | $5,306-52.2% |