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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 | $22,011 | $43,730-49.7% | $121,220-81.8% | $64,173-65.7% |
| Participation rate | 75.3% | 58.3%+17.0pp | 71.8%+3.6pp | 69.6%+5.8pp |
| Annual return | 1.01% | 68.94%-67.9pp | 16.94%-15.9pp | 7.63%-6.6pp |
| Employer contribution / active EE | $1,226 | $1,297-5.4% | $4,023-69.5% | $2,381-48.5% |
| Participant deferral / active EE | $2,462 | $2,281+8.0% | $3,345-26.4% | $3,470-29.0% |
| Admin fee / account holder | $1,595 | $3,502-54.5% | $5,021-68.2% | $4,887-67.4% |