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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 | $28,796 | $43,730-34.2% | $121,220-76.2% | $64,173-55.1% |
| Participation rate | 84.8% | 58.3%+26.5pp | 71.8%+13.1pp | 69.6%+15.3pp |
| Annual return | 7.57% | 68.94%-61.4pp | 16.94%-9.4pp | 7.63%-0.1pp |
| Employer contribution / active EE | $3,062 | $1,297+136.1% | $4,023-23.9% | $2,381+28.6% |
| Participant deferral / active EE | $7,211 | $2,281+216.2% | $3,345+115.6% | $3,470+107.8% |
| Admin fee / account holder | $1,212 | $3,502-65.4% | $5,021-75.9% | $4,887-75.2% |