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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 | $52,936 | $71,215-25.7% | $93,696-43.5% | $80,935-34.6% |
| Participation rate | 94.9% | 60.4%+34.5pp | 68.7%+26.2pp | 67.7%+27.2pp |
| Annual return | 10.46% | 11.27%-0.8pp | 133.74%-123.3pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,220 | $1,565-22.0% | $2,422-49.6% | $2,757-55.7% |
| Participant deferral / active EE | $3,333 | $4,037-17.4% | $4,417-24.5% | $4,299-22.5% |
| Admin fee / account holder | $2,334 | $6,958-66.5% | $8,287-71.8% | $6,924-66.3% |