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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 | $26,369 | $71,197-63.0% | $93,669-71.8% | $80,925-67.4% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.0pp | 67.7%+15.1pp |
| Annual return | 13.24% | 11.27%+2.0pp | 133.59%-120.4pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,891 | $1,565+20.8% | $2,424-22.0% | $2,756-31.4% |
| Participant deferral / active EE | $4,840 | $4,036+19.9% | $4,416+9.6% | $4,299+12.6% |
| Admin fee / account holder | $2,221 | $6,959-68.1% | $8,291-73.2% | $6,940-68.0% |