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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 | $67,722 | $77,920-13.1% | $149,723-54.8% | $75,177-9.9% |
| Participation rate | 86.7% | 65.6%+21.1pp | 78.8%+7.9pp | 67.2%+19.5pp |
| Annual return | 18.07% | 31.72%-13.7pp | 134.50%-116.4pp | 160.75%-142.7pp |
| Employer contribution / active EE | $1,200 | $3,138-61.8% | $4,821-75.1% | $2,671-55.1% |
| Participant deferral / active EE | $3,491 | $3,411+2.3% | $5,682-38.6% | $4,126-15.4% |
| Admin fee / account holder | $406 | $5,951-93.2% | $13,215-96.9% | $5,651-92.8% |