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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 | $39,385 | $91,198-56.8% | $178,503-77.9% | $79,856-50.7% |
| Participation rate | 84.7% | 69.2%+15.5pp | 81.9%+2.8pp | 69.6%+15.1pp |
| Annual return | 17.98% | 24.20%-6.2pp | 151.12%-133.1pp | 31.71%-13.7pp |
| Employer contribution / active EE | $1,591 | $3,257-51.2% | $5,011-68.3% | $2,471-35.6% |
| Participant deferral / active EE | $2,857 | $3,237-11.7% | $5,202-45.1% | $3,741-23.6% |
| Admin fee / account holder | $3,171 | $6,748-53.0% | $13,987-77.3% | $5,306-40.3% |