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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 | $19,473 | $71,230-72.7% | $93,727-79.2% | $80,959-75.9% |
| Participation rate | 70.0% | 60.4%+9.6pp | 68.7%+1.3pp | 67.7%+2.3pp |
| Annual return | 14.51% | 11.26%+3.3pp | 133.83%-119.3pp | 35.67%-21.2pp |
| Employer contribution / active EE | $1,451 | $1,565-7.3% | $2,421-40.1% | $2,757-47.4% |
| Participant deferral / active EE | $2,472 | $4,037-38.8% | $4,417-44.0% | $4,300-42.5% |
| Admin fee / account holder | $998 | $6,961-85.7% | $8,292-88.0% | $6,925-85.6% |