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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 | $31,947 | $65,367-51.1% | $92,915-65.6% | $72,976-56.2% |
| Participation rate | 70.6% | 68.3%+2.3pp | 76.0%-5.4pp | 69.5%+1.1pp |
| Annual return | 19.91% | 42.11%-22.2pp | 109.45%-89.5pp | 81.02%-61.1pp |
| Employer contribution / active EE | $1,420 | $2,594-45.2% | $3,653-61.1% | $2,440-41.8% |
| Participant deferral / active EE | $2,355 | $3,128-24.7% | $4,238-44.4% | $3,608-34.7% |
| Admin fee / account holder | $1,036 | $4,251-75.6% | $5,796-82.1% | $5,124-79.8% |