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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 | $19,410 | $77,638-75.0% | $156,551-87.6% | $62,881-69.1% |
| Participation rate | 88.0% | 71.2%+16.8pp | 84.0%+4.0pp | 69.3%+18.7pp |
| Annual return | 5.36% | 50.33%-45.0pp | 32.23%-26.9pp | 20.14%-14.8pp |
| Employer contribution / active EE | $2,094 | $3,444-39.2% | $5,501-61.9% | $2,281-8.2% |
| Participant deferral / active EE | $1,774 | $3,046-41.8% | $4,871-63.6% | $3,203-44.6% |
| Admin fee / account holder | $1,140 | $5,561-79.5% | $13,028-91.2% | $4,296-73.5% |