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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 | $67,240 | $91,167-26.2% | $178,498-62.3% | $79,858-15.8% |
| Participation rate | 92.1% | 69.2%+22.9pp | 81.9%+10.2pp | 69.6%+22.5pp |
| Annual return | 14.38% | 24.19%-9.8pp | 151.09%-136.7pp | 31.72%-17.3pp |
| Employer contribution / active EE | $1,427 | $3,255-56.2% | $5,011-71.5% | $2,471-42.3% |
| Participant deferral / active EE | $1,940 | $3,236-40.0% | $5,202-62.7% | $3,740-48.1% |
| Admin fee / account holder | $2,541 | $6,747-62.3% | $13,985-81.8% | $5,306-52.1% |