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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 | $30,126 | $76,407-60.6% | $150,298-80.0% | $82,448-63.5% |
| Participation rate | 87.9% | 66.4%+21.5pp | 77.8%+10.1pp | 68.1%+19.8pp |
| Annual return | 13.43% | 39.99%-26.6pp | 62.79%-49.4pp | 41.64%-28.2pp |
| Employer contribution / active EE | $1,342 | $2,614-48.7% | $4,154-67.7% | $2,551-47.4% |
| Participant deferral / active EE | $2,857 | $3,214-11.1% | $5,453-47.6% | $4,139-31.0% |
| Admin fee / account holder | $2,954 | $6,352-53.5% | $14,116-79.1% | $7,234-59.2% |