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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 | $23,149 | $46,877-50.6% | $122,354-81.1% | $70,126-67.0% |
| Participation rate | 83.9% | 58.2%+25.7pp | 71.6%+12.2pp | 69.5%+14.3pp |
| Annual return | 19.82% | 24.22%-4.4pp | 30.28%-10.5pp | 73.15%-53.3pp |
| Employer contribution / active EE | $2,402 | $1,288+86.5% | $4,051-40.7% | $2,343+2.6% |
| Participant deferral / active EE | $8,589 | $2,167+296.3% | $3,287+161.3% | $3,332+157.8% |
| Admin fee / account holder | $647 | $3,324-80.5% | $5,479-88.2% | $4,645-86.1% |