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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 | $28,165 | $77,908-63.8% | $149,696-81.2% | $75,173-62.5% |
| Participation rate | 82.8% | 65.6%+17.2pp | 78.8%+4.0pp | 67.2%+15.6pp |
| Annual return | 21.37% | 31.73%-10.4pp | 134.46%-113.1pp | 160.72%-139.4pp |
| Employer contribution / active EE | $1,981 | $3,138-36.9% | $4,821-58.9% | $2,671-25.8% |
| Participant deferral / active EE | $3,924 | $3,411+15.0% | $5,682-30.9% | $4,126-4.9% |
| Admin fee / account holder | $3,717 | $5,950-37.5% | $13,212-71.9% | $5,651-34.2% |