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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 | $25,837 | $84,236-69.3% | $170,435-84.8% | $70,126-63.2% |
| Participation rate | 88.9% | 70.8%+18.1pp | 83.6%+5.3pp | 69.5%+19.3pp |
| Annual return | 14.94% | 23.06%-8.1pp | 205.94%-191.0pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,943 | $3,387-42.6% | $5,432-64.2% | $2,343-17.1% |
| Participant deferral / active EE | $4,459 | $3,086+44.5% | $4,939-9.7% | $3,332+33.8% |
| Admin fee / account holder | $3,923 | $5,698-31.2% | $13,881-71.7% | $4,645-15.5% |