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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 | $33,431 | $78,690-57.5% | $161,489-79.3% | $87,485-61.8% |
| Participation rate | 81.1% | 67.5%+13.6pp | 78.7%+2.4pp | 68.9%+12.1pp |
| Annual return | 16.59% | 32.74%-16.2pp | 89.72%-73.1pp | 26.06%-9.5pp |
| Employer contribution / active EE | $1,591 | $2,588-38.5% | $4,268-62.7% | $2,596-38.7% |
| Participant deferral / active EE | $1,561 | $3,311-52.8% | $5,630-72.3% | $4,274-63.5% |
| Admin fee / account holder | $376 | $6,724-94.4% | $16,006-97.7% | $7,775-95.2% |