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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 | $33,248 | $77,920-57.3% | $149,723-77.8% | $75,177-55.8% |
| Participation rate | 71.4% | 65.6%+5.8pp | 78.8%-7.4pp | 67.2%+4.2pp |
| Annual return | 23.86% | 31.72%-7.9pp | 134.50%-110.6pp | 160.75%-136.9pp |
| Employer contribution / active EE | $1,934 | $3,138-38.4% | $4,821-59.9% | $2,671-27.6% |
| Participant deferral / active EE | $3,013 | $3,411-11.7% | $5,682-47.0% | $4,126-27.0% |
| Admin fee / account holder | $1,319 | $5,951-77.8% | $13,215-90.0% | $5,651-76.7% |