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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 | $20,284 | $90,486-77.6% | $78,676-74.2% | $273,972-92.6% |
| Participation rate | 83.3% | 76.5%+6.8pp | 73.6%+9.8pp | 83.0%+0.3pp |
| Annual return | 9.76% | 75.62%-65.9pp | 62.19%-52.4pp | 41.46%-31.7pp |
| Employer contribution / active EE | $2,385 | $3,175-24.9% | $2,850-16.3% | $4,869-51.0% |
| Participant deferral / active EE | $5,578 | $3,901+43.0% | $3,517+58.6% | $5,287+5.5% |
| Admin fee / account holder | $7,288 | $5,263+38.5% | $4,510+61.6% | $10,133-28.1% |