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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 | $33,739 | $78,670-57.1% | $109,173-69.1% | $85,847-60.7% |
| Participation rate | 85.2% | 68.3%+16.9pp | 75.9%+9.3pp | 69.3%+15.9pp |
| Annual return | 13.63% | 25.09%-11.5pp | 25.75%-12.1pp | 318.61%-305.0pp |
| Employer contribution / active EE | $1,481 | $2,734-45.8% | $3,723-60.2% | $2,565-42.3% |
| Participant deferral / active EE | $2,402 | $3,467-30.7% | $4,654-48.4% | $3,952-39.2% |
| Admin fee / account holder | $1,592 | $5,469-70.9% | $6,755-76.4% | $6,261-74.6% |