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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 | $30,634 | $71,197-57.0% | $93,669-67.3% | $80,925-62.1% |
| Participation rate | 70.8% | 60.4%+10.4pp | 68.7%+2.1pp | 67.7%+3.2pp |
| Annual return | 12.39% | 11.27%+1.1pp | 133.59%-121.2pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,807 | $1,565+15.5% | $2,424-25.5% | $2,756-34.5% |
| Participant deferral / active EE | $3,117 | $4,036-22.8% | $4,416-29.4% | $4,299-27.5% |
| Admin fee / account holder | $3,919 | $6,959-43.7% | $8,291-52.7% | $6,940-43.5% |