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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 | $34,434 | $93,345-63.1% | $119,126-71.1% | $87,485-60.6% |
| Participation rate | 71.9% | 68.7%+3.2pp | 75.8%-3.9pp | 68.9%+3.0pp |
| Annual return | 19.82% | 19.08%+0.7pp | 282.11%-262.3pp | 26.06%-6.2pp |
| Employer contribution / active EE | $1,571 | $3,172-50.5% | $4,034-61.0% | $2,596-39.5% |
| Participant deferral / active EE | $3,964 | $4,099-3.3% | $5,318-25.5% | $4,274-7.2% |
| Admin fee / account holder | $3,991 | $8,039-50.4% | $10,693-62.7% | $7,775-48.7% |