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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 | $28,858 | $87,132-66.9% | $105,624-72.7% | $80,959-64.4% |
| Participation rate | 84.4% | 70.4%+13.9pp | 75.3%+9.1pp | 67.7%+16.7pp |
| Annual return | 15.12% | 17.03%-1.9pp | 116.20%-101.1pp | 35.67%-20.5pp |
| Employer contribution / active EE | $3,489 | $2,397+45.6% | $3,168+10.1% | $2,757+26.5% |
| Participant deferral / active EE | $6,639 | $3,985+66.6% | $5,013+32.4% | $4,300+54.4% |
| Admin fee / account holder | $2,642 | $8,449-68.7% | $10,961-75.9% | $6,925-61.8% |