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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 | $30,189 | $72,273-58.2% | $101,275-70.2% | $79,856-62.2% |
| Participation rate | 94.4% | 68.5%+26.0pp | 75.8%+18.6pp | 69.6%+24.8pp |
| Annual return | 11.70% | 22.30%-10.6pp | 46.48%-34.8pp | 31.71%-20.0pp |
| Employer contribution / active EE | $1,280 | $2,691-52.4% | $3,660-65.0% | $2,471-48.2% |
| Participant deferral / active EE | $2,516 | $3,282-23.3% | $4,371-42.4% | $3,741-32.7% |
| Admin fee / account holder | $4,441 | $4,401+0.9% | $5,948-25.3% | $5,306-16.3% |