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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 | $30,346 | $78,425-61.3% | $95,956-68.4% | $79,858-62.0% |
| Participation rate | 77.5% | 73.5%+4.0pp | 77.1%+0.4pp | 69.6%+7.9pp |
| Annual return | 20.95% | 19.37%+1.6pp | 91.63%-70.7pp | 31.72%-10.8pp |
| Employer contribution / active EE | $1,403 | $1,945-27.9% | $2,541-44.8% | $2,471-43.2% |
| Participant deferral / active EE | $2,430 | $3,440-29.4% | $4,167-41.7% | $3,740-35.0% |
| Admin fee / account holder | $1,160 | $5,622-79.4% | $6,797-82.9% | $5,306-78.1% |