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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 | $42,957 | $77,901-44.9% | $149,717-71.3% | $75,181-42.9% |
| Participation rate | 82.1% | 65.6%+16.6pp | 78.8%+3.4pp | 67.2%+14.9pp |
| Annual return | 16.82% | 31.73%-14.9pp | 134.41%-117.6pp | 160.69%-143.9pp |
| Employer contribution / active EE | $1,928 | $3,137-38.5% | $4,820-60.0% | $2,671-27.8% |
| Participant deferral / active EE | $3,408 | $3,411-0.1% | $5,682-40.0% | $4,126-17.4% |
| Admin fee / account holder | $480 | $5,949-91.9% | $13,213-96.4% | $5,650-91.5% |