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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 | $56,508 | $88,672-36.3% | $105,223-46.3% | $82,448-31.5% |
| Participation rate | 95.9% | 67.9%+28.0pp | 75.0%+20.9pp | 68.1%+27.9pp |
| Annual return | 16.09% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,211 | $3,048-60.3% | $3,689-67.2% | $2,551-52.5% |
| Participant deferral / active EE | $2,298 | $4,036-43.1% | $5,072-54.7% | $4,139-44.5% |
| Admin fee / account holder | $2,153 | $7,146-69.9% | $8,859-75.7% | $7,234-70.2% |