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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 | $28,074 | $71,215-60.6% | $93,696-70.0% | $80,935-65.3% |
| Participation rate | 82.8% | 60.4%+22.4pp | 68.7%+14.1pp | 67.7%+15.2pp |
| Annual return | 13.93% | 11.27%+2.7pp | 133.74%-119.8pp | 35.66%-21.7pp |
| Employer contribution / active EE | $1,423 | $1,565-9.1% | $2,422-41.2% | $2,757-48.4% |
| Participant deferral / active EE | $3,244 | $4,037-19.6% | $4,417-26.5% | $4,299-24.5% |
| Admin fee / account holder | $8,400 | $6,958+20.7% | $8,287+1.4% | $6,924+21.3% |