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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 | $33,856 | $60,442-44.0% | $96,754-65.0% | $87,485-61.3% |
| Participation rate | 77.6% | 58.7%+18.9pp | 70.3%+7.3pp | 68.9%+8.7pp |
| Annual return | 17.94% | 21.97%-4.0pp | 82.04%-64.1pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,998 | $1,691+18.2% | $2,679-25.4% | $2,596-23.0% |
| Participant deferral / active EE | $3,847 | $3,280+17.3% | $4,758-19.1% | $4,274-10.0% |
| Admin fee / account holder | $3,078 | $5,069-39.3% | $8,905-65.4% | $7,775-60.4% |