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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 | $32,044 | $91,179-64.9% | $178,499-82.0% | $79,852-59.9% |
| Participation rate | 86.7% | 69.2%+17.5pp | 81.9%+4.7pp | 69.6%+17.0pp |
| Annual return | 14.68% | 24.19%-9.5pp | 151.10%-136.4pp | 31.72%-17.0pp |
| Employer contribution / active EE | $1,606 | $3,256-50.7% | $5,011-68.0% | $2,471-35.0% |
| Participant deferral / active EE | $2,911 | $3,236-10.0% | $5,202-44.0% | $3,740-22.2% |
| Admin fee / account holder | $2,370 | $6,749-64.9% | $13,986-83.1% | $5,306-55.3% |