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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 | $34,982 | $98,776-64.6% | $149,745-76.6% | $79,856-56.2% |
| Participation rate | 77.8% | 75.8%+2.0pp | 82.5%-4.7pp | 69.6%+8.1pp |
| Annual return | 12.91% | 27.38%-14.5pp | 276.72%-263.8pp | 31.71%-18.8pp |
| Employer contribution / active EE | $1,942 | $3,217-39.6% | $4,646-58.2% | $2,471-21.4% |
| Participant deferral / active EE | $4,360 | $5,681-23.3% | $6,843-36.3% | $3,741+16.6% |
| Admin fee / account holder | $736 | $6,053-87.8% | $9,312-92.1% | $5,306-86.1% |