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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 | $32,924 | $51,638-36.2% | $68,368-51.8% | $82,448-60.1% |
| Participation rate | 86.1% | 63.6%+22.5pp | 73.8%+12.4pp | 68.1%+18.0pp |
| Annual return | 23.44% | 37.53%-14.1pp | 292.57%-269.1pp | 41.64%-18.2pp |
| Employer contribution / active EE | $1,250 | $2,047-38.9% | $2,649-52.8% | $2,551-51.0% |
| Participant deferral / active EE | $2,753 | $2,914-5.5% | $4,123-33.2% | $4,139-33.5% |
| Admin fee / account holder | $1,243 | $4,643-73.2% | $5,150-75.9% | $7,234-82.8% |