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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 | $27,376 | $81,276-66.3% | $155,574-82.4% | $80,925-66.2% |
| Participation rate | 72.6% | 66.2%+6.4pp | 78.2%-5.6pp | 67.7%+5.0pp |
| Annual return | 11.42% | 33.36%-21.9pp | 64.87%-53.4pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,523 | $3,103-50.9% | $4,676-67.4% | $2,756-44.7% |
| Participant deferral / active EE | $3,101 | $3,453-10.2% | $5,629-44.9% | $4,299-27.9% |
| Admin fee / account holder | $1,289 | $7,993-83.9% | $15,914-91.9% | $6,940-81.4% |