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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 | $37,963 | $70,418-46.1% | $96,570-60.7% | $85,847-55.8% |
| Participation rate | 72.0% | 61.8%+10.2pp | 69.8%+2.2pp | 69.3%+2.7pp |
| Annual return | 11.80% | 18.59%-6.8pp | 37.79%-26.0pp | 318.61%-306.8pp |
| Employer contribution / active EE | $981 | $1,413-30.6% | $2,357-58.4% | $2,565-61.8% |
| Participant deferral / active EE | $3,388 | $2,894+17.1% | $3,849-12.0% | $3,952-14.3% |
| Admin fee / account holder | $4,806 | $4,995-3.8% | $6,182-22.3% | $6,261-23.2% |