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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 | $27,446 | $93,617-70.7% | $135,982-79.8% | $75,177-63.5% |
| Participation rate | 91.7% | 75.2%+16.5pp | 81.9%+9.7pp | 67.2%+24.5pp |
| Annual return | 17.53% | 30.89%-13.4pp | 68.32%-50.8pp | 160.75%-143.2pp |
| Employer contribution / active EE | $2,663 | $3,538-24.7% | $4,859-45.2% | $2,671-0.3% |
| Participant deferral / active EE | $5,069 | $6,406-20.9% | $7,760-34.7% | $4,126+22.8% |
| Admin fee / account holder | $2,703 | $6,980-61.3% | $10,767-74.9% | $5,651-52.2% |