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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 | $41,940 | $81,208-48.4% | $98,916-57.6% | $79,858-47.5% |
| Participation rate | 75.6% | 72.5%+3.1pp | 76.0%-0.4pp | 69.6%+6.0pp |
| Annual return | 16.05% | 60.99%-44.9pp | 196.45%-180.4pp | 31.72%-15.7pp |
| Employer contribution / active EE | $1,212 | $1,960-38.2% | $2,689-54.9% | $2,471-51.0% |
| Participant deferral / active EE | $3,077 | $3,265-5.7% | $4,245-27.5% | $3,740-17.7% |
| Admin fee / account holder | $1,517 | $6,013-74.8% | $6,642-77.2% | $5,306-71.4% |