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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 | $19,297 | $46,534-58.5% | $64,097-69.9% | $75,177-74.3% |
| Participation rate | 81.1% | 65.9%+15.2pp | 72.3%+8.8pp | 67.2%+13.9pp |
| Annual return | 16.92% | 26.07%-9.1pp | 33.75%-16.8pp | 160.75%-143.8pp |
| Employer contribution / active EE | $5,554 | $1,976+181.1% | $2,750+102.0% | $2,671+107.9% |
| Participant deferral / active EE | $4,233 | $2,835+49.3% | $3,881+9.1% | $4,126+2.6% |
| Admin fee / account holder | $1,836 | $2,957-37.9% | $3,070-40.2% | $5,651-67.5% |