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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 | $28,401 | $68,878-58.8% | $120,574-76.4% | $80,935-64.9% |
| Participation rate | 79.0% | 61.7%+17.4pp | 71.9%+7.1pp | 67.7%+11.4pp |
| Annual return | 12.92% | 23.67%-10.8pp | 107.42%-94.5pp | 35.66%-22.7pp |
| Employer contribution / active EE | $2,593 | $2,065+25.6% | $3,471-25.3% | $2,757-5.9% |
| Participant deferral / active EE | $5,067 | $3,189+58.9% | $4,996+1.4% | $4,299+17.8% |
| Admin fee / account holder | $7,763 | $5,782+34.3% | $9,445-17.8% | $6,924+12.1% |