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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 | $31,025 | $45,050-31.1% | $63,018-50.8% | $70,126-55.8% |
| Participation rate | 85.3% | 69.5%+15.8pp | 74.8%+10.5pp | 69.5%+15.8pp |
| Annual return | 12.41% | 18.76%-6.4pp | 87.62%-75.2pp | 73.15%-60.7pp |
| Employer contribution / active EE | $933 | $2,052-54.5% | $2,761-66.2% | $2,343-60.2% |
| Participant deferral / active EE | $1,601 | $2,466-35.1% | $3,330-51.9% | $3,332-51.9% |
| Admin fee / account holder | $4,772 | $2,834+68.4% | $3,601+32.5% | $4,645+2.7% |