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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 | $47,863 | $71,230-32.8% | $93,727-48.9% | $80,959-40.9% |
| Participation rate | 76.4% | 60.4%+16.0pp | 68.7%+7.7pp | 67.7%+8.7pp |
| Annual return | 14.70% | 11.26%+3.4pp | 133.83%-119.1pp | 35.67%-21.0pp |
| Employer contribution / active EE | $1,137 | $1,565-27.4% | $2,421-53.0% | $2,757-58.8% |
| Participant deferral / active EE | $2,106 | $4,037-47.8% | $4,417-52.3% | $4,300-51.0% |
| Admin fee / account holder | $1,933 | $6,961-72.2% | $8,292-76.7% | $6,925-72.1% |