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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 | $32,352 | $56,110-42.3% | $94,993-65.9% | $70,126-53.9% |
| Participation rate | 94.0% | 65.0%+29.0pp | 73.9%+20.1pp | 69.5%+24.5pp |
| Annual return | 18.43% | 51.02%-32.6pp | 27.14%-8.7pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,700 | $1,442+17.9% | $2,603-34.7% | $2,343-27.4% |
| Participant deferral / active EE | $3,020 | $2,391+26.3% | $3,317-9.0% | $3,332-9.4% |
| Admin fee / account holder | $868 | $3,456-74.9% | $4,960-82.5% | $4,645-81.3% |