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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 | $30,101 | $77,814-61.3% | $158,223-81.0% | $86,983-65.4% |
| Participation rate | 86.0% | 68.4%+17.6pp | 79.2%+6.8pp | 69.5%+16.5pp |
| Annual return | 22.67% | 30.54%-7.9pp | 52.09%-29.4pp | 25.83%-3.2pp |
| Employer contribution / active EE | $2,556 | $2,592-1.4% | $4,109-37.8% | $2,584-1.1% |
| Participant deferral / active EE | $5,121 | $3,270+56.6% | $5,467-6.3% | $4,194+22.1% |
| Admin fee / account holder | $3,384 | $5,879-42.4% | $16,047-78.9% | $7,856-56.9% |