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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 | $31,054 | $85,060-63.5% | $70,565-56.0% | $139,487-77.7% |
| Participation rate | 75.0% | 73.9%+1.1pp | 68.4%+6.6pp | 80.3%-5.3pp |
| Annual return | 13.95% | 30.39%-16.4pp | 32.79%-18.8pp | 373.84%-359.9pp |
| Employer contribution / active EE | $3,247 | $3,912-17.0% | $2,976+9.1% | $4,755-31.7% |
| Participant deferral / active EE | $5,570 | $5,891-5.5% | $4,568+21.9% | $6,713-17.0% |
| Admin fee / account holder | $17,273 | $8,932+93.4% | $6,430+168.6% | $11,407+51.4% |