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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 | $34,495 | $51,638-33.2% | $68,368-49.5% | $82,448-58.2% |
| Participation rate | 73.4% | 63.6%+9.8pp | 73.8%-0.3pp | 68.1%+5.3pp |
| Annual return | 22.86% | 37.53%-14.7pp | 292.57%-269.7pp | 41.64%-18.8pp |
| Employer contribution / active EE | $1,627 | $2,047-20.5% | $2,649-38.6% | $2,551-36.2% |
| Participant deferral / active EE | $2,356 | $2,914-19.1% | $4,123-42.8% | $4,139-43.1% |
| Admin fee / account holder | $1,877 | $4,643-59.6% | $5,150-63.6% | $7,234-74.1% |