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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 | $31,048 | $54,757-43.3% | $90,304-65.6% | $72,975-57.5% |
| Participation rate | 76.9% | 65.2%+11.8pp | 73.3%+3.6pp | 69.5%+7.4pp |
| Annual return | 24.40% | 30.63%-6.2pp | 78.13%-53.7pp | 81.01%-56.6pp |
| Employer contribution / active EE | $1,065 | $2,093-49.1% | $2,855-62.7% | $2,440-56.3% |
| Participant deferral / active EE | $1,640 | $2,887-43.2% | $3,885-57.8% | $3,608-54.5% |
| Admin fee / account holder | $1,274 | $3,973-67.9% | $5,354-76.2% | $5,124-75.1% |