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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 | $71,230-63.0% | $93,727-71.9% | $80,959-67.4% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.0pp | 67.7%+15.1pp |
| Annual return | 13.24% | 11.26%+2.0pp | 133.83%-120.6pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,891 | $1,565+20.8% | $2,421-21.9% | $2,757-31.4% |
| Participant deferral / active EE | $4,840 | $4,037+19.9% | $4,417+9.6% | $4,300+12.5% |
| Admin fee / account holder | $2,221 | $6,961-68.1% | $8,292-73.2% | $6,925-67.9% |