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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 | $25,068 | $57,140-56.1% | $85,240-70.6% | $80,959-69.0% |
| Participation rate | 90.9% | 56.4%+34.5pp | 67.5%+23.4pp | 67.7%+23.2pp |
| Annual return | 20.01% | 21.71%-1.7pp | 66.75%-46.7pp | 35.67%-15.7pp |
| Employer contribution / active EE | $2,211 | $1,802+22.7% | $2,735-19.2% | $2,757-19.8% |
| Participant deferral / active EE | $4,969 | $3,115+59.5% | $4,527+9.8% | $4,300+15.6% |
| Admin fee / account holder | $2,703 | $4,992-45.9% | $6,165-56.2% | $6,925-61.0% |