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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 | $32,707 | $73,955-55.8% | $96,520-66.1% | $75,181-56.5% |
| Participation rate | 83.3% | 66.4%+16.9pp | 74.3%+9.0pp | 67.2%+16.1pp |
| Annual return | 18.07% | 26.72%-8.7pp | 35.72%-17.7pp | 160.69%-142.6pp |
| Employer contribution / active EE | $1,507 | $2,930-48.6% | $3,739-59.7% | $2,671-43.6% |
| Participant deferral / active EE | $2,855 | $3,659-22.0% | $4,879-41.5% | $4,126-30.8% |
| Admin fee / account holder | $2,068 | $5,217-60.4% | $6,733-69.3% | $5,650-63.4% |