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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 | $68,880-52.6% | $120,580-72.9% | $80,959-59.7% |
| Participation rate | 76.5% | 61.7%+14.8pp | 72.0%+4.5pp | 67.7%+8.8pp |
| Annual return | 12.55% | 23.68%-11.1pp | 107.48%-94.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $3,438 | $2,066+66.4% | $3,469-0.9% | $2,757+24.7% |
| Participant deferral / active EE | $1,746 | $3,191-45.3% | $4,995-65.0% | $4,300-59.4% |
| Admin fee / account holder | $1,378 | $5,785-76.2% | $9,418-85.4% | $6,925-80.1% |