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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 | $68,852-52.6% | $120,524-72.9% | $80,925-59.7% |
| Participation rate | 76.5% | 61.6%+14.8pp | 71.9%+4.5pp | 67.7%+8.8pp |
| Annual return | 12.55% | 23.67%-11.1pp | 107.36%-94.8pp | 35.65%-23.1pp |
| Employer contribution / active EE | $3,438 | $2,063+66.6% | $3,469-0.9% | $2,756+24.7% |
| Participant deferral / active EE | $1,746 | $3,187-45.2% | $4,994-65.0% | $4,299-59.4% |
| Admin fee / account holder | $1,378 | $5,781-76.2% | $9,440-85.4% | $6,940-80.1% |