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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 | $27,584 | $84,953-67.5% | $163,379-83.1% | $82,637-66.6% |
| Participation rate | 95.9% | 65.9%+29.9pp | 76.8%+19.1pp | 68.1%+27.8pp |
| Annual return | 15.78% | 23.07%-7.3pp | 63.41%-47.6pp | 53.51%-37.7pp |
| Employer contribution / active EE | $2,425 | $2,183+11.1% | $3,752-35.4% | $2,552-5.0% |
| Participant deferral / active EE | $2,775 | $4,326-35.8% | $6,282-55.8% | $4,126-32.7% |
| Admin fee / account holder | $2,134 | $7,921-73.1% | $9,818-78.3% | $7,339-70.9% |