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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 | $25,609 | $51,202-50.0% | $70,548-63.7% | $75,181-65.9% |
| Participation rate | 72.4% | 61.0%+11.5pp | 68.3%+4.1pp | 67.2%+5.2pp |
| Annual return | 25.80% | 30.05%-4.3pp | 32.78%-7.0pp | 160.69%-134.9pp |
| Employer contribution / active EE | $2,596 | $1,827+42.1% | $2,975-12.7% | $2,671-2.8% |
| Participant deferral / active EE | $5,601 | $2,850+96.6% | $4,567+22.6% | $4,126+35.8% |
| Admin fee / account holder | $641 | $4,094-84.3% | $6,424-90.0% | $5,650-88.6% |