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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 | $35,333 | $69,118-48.9% | $53,647-34.1% | $138,895-74.6% |
| Participation rate | 83.3% | 64.0%+19.4pp | 56.3%+27.1pp | 79.9%+3.4pp |
| Annual return | 16.09% | 248.26%-232.2pp | 358.33%-342.2pp | 145.39%-129.3pp |
| Employer contribution / active EE | $1,140 | $1,189-4.2% | $962+18.5% | $4,194-72.8% |
| Participant deferral / active EE | $1,738 | $2,274-23.6% | $1,813-4.1% | $6,396-72.8% |
| Admin fee / account holder | $4,153 | $2,724+52.5% | $2,460+68.8% | $12,562-66.9% |