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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 | $21,617 | $61,356-64.8% | $149,696-85.6% | $71,511-69.8% |
| Participation rate | 79.3% | 62.5%+16.7pp | 78.8%+0.5pp | 67.9%+11.3pp |
| Annual return | 16.47% | 35.86%-19.4pp | 134.46%-118.0pp | 28.86%-12.4pp |
| Employer contribution / active EE | $1,339 | $2,382-43.8% | $4,821-72.2% | $2,589-48.3% |
| Participant deferral / active EE | $1,883 | $2,920-35.5% | $5,682-66.9% | $4,291-56.1% |
| Admin fee / account holder | $1,576 | $1,263+24.7% | $13,212-88.1% | $1,588-0.8% |