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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 | $32,633 | $68,573-52.4% | $120,368-72.9% | $80,874-59.6% |
| Participation rate | 76.5% | 61.6%+14.9pp | 71.9%+4.6pp | 67.6%+8.8pp |
| Annual return | 12.55% | 23.61%-11.1pp | 107.26%-94.7pp | 35.62%-23.1pp |
| Employer contribution / active EE | $3,438 | $2,052+67.5% | $3,465-0.8% | $2,756+24.7% |
| Participant deferral / active EE | $1,746 | $3,174-45.0% | $4,991-65.0% | $4,297-59.4% |
| Admin fee / account holder | $1,378 | $5,734-76.0% | $9,429-85.4% | $6,935-80.1% |