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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 | $25,748 | $81,233-68.3% | $155,567-83.4% | $80,874-68.2% |
| Participation rate | 96.8% | 66.2%+30.5pp | 78.2%+18.6pp | 67.6%+29.1pp |
| Annual return | 13.77% | 33.33%-19.6pp | 64.74%-51.0pp | 35.62%-21.8pp |
| Employer contribution / active EE | $2,750 | $3,101-11.3% | $4,674-41.2% | $2,756-0.2% |
| Participant deferral / active EE | $3,649 | $3,452+5.7% | $5,628-35.2% | $4,297-15.1% |
| Admin fee / account holder | $495 | $7,998-93.8% | $15,916-96.9% | $6,935-92.9% |