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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 | $25,828 | $98,776-73.9% | $149,745-82.8% | $79,856-67.7% |
| Participation rate | 83.9% | 75.8%+8.1pp | 82.5%+1.4pp | 69.6%+14.2pp |
| Annual return | 13.42% | 27.38%-14.0pp | 276.72%-263.3pp | 31.71%-18.3pp |
| Employer contribution / active EE | $2,442 | $3,217-24.1% | $4,646-47.4% | $2,471-1.2% |
| Participant deferral / active EE | $9,276 | $5,681+63.3% | $6,843+35.5% | $3,741+148.0% |
| Admin fee / account holder | $2,096 | $6,053-65.4% | $9,312-77.5% | $5,306-60.5% |