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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 | $23,504 | $63,354-62.9% | $94,105-75.0% | $82,637-71.6% |
| Participation rate | 88.0% | 63.8%+24.2pp | 71.9%+16.1pp | 68.1%+19.9pp |
| Annual return | 20.60% | 34.36%-13.8pp | 204.55%-183.9pp | 53.51%-32.9pp |
| Employer contribution / active EE | $1,713 | $1,760-2.6% | $2,504-31.6% | $2,552-32.9% |
| Participant deferral / active EE | $3,339 | $2,873+16.2% | $3,881-14.0% | $4,126-19.1% |
| Admin fee / account holder | $751 | $5,073-85.2% | $6,199-87.9% | $7,339-89.8% |