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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 | $20,041 | $91,167-78.0% | $178,498-88.8% | $79,858-74.9% |
| Participation rate | 76.9% | 69.2%+7.7pp | 81.9%-5.0pp | 69.6%+7.3pp |
| Annual return | 16.41% | 24.19%-7.8pp | 151.09%-134.7pp | 31.72%-15.3pp |
| Employer contribution / active EE | $1,126 | $3,255-65.4% | $5,011-77.5% | $2,471-54.4% |
| Participant deferral / active EE | $1,709 | $3,236-47.2% | $5,202-67.1% | $3,740-54.3% |
| Admin fee / account holder | $673 | $6,747-90.0% | $13,985-95.2% | $5,306-87.3% |