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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 | $31,226 | $55,902-44.1% | $76,030-58.9% | $80,959-61.4% |
| Participation rate | 87.2% | 62.1%+25.1pp | 69.1%+18.1pp | 67.7%+19.5pp |
| Annual return | 15.33% | 20.59%-5.3pp | 361.54%-346.2pp | 35.67%-20.3pp |
| Employer contribution / active EE | $1,781 | $1,867-4.6% | $2,688-33.7% | $2,757-35.4% |
| Participant deferral / active EE | $3,218 | $3,051+5.5% | $4,257-24.4% | $4,300-25.2% |
| Admin fee / account holder | $1,073 | $5,239-79.5% | $6,421-83.3% | $6,925-84.5% |