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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 | $91,086-69.7% | $203,872-86.5% | $86,983-68.3% |
| Participation rate | 95.9% | 65.8%+30.1pp | 77.8%+18.1pp | 69.5%+26.3pp |
| Annual return | 15.78% | 22.30%-6.5pp | 85.11%-69.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $2,425 | $2,063+17.5% | $3,757-35.5% | $2,584-6.2% |
| Participant deferral / active EE | $2,775 | $4,019-30.9% | $6,388-56.6% | $4,194-33.8% |
| Admin fee / account holder | $2,134 | $8,987-76.3% | $11,730-81.8% | $7,856-72.8% |