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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 | $31,011 | $78,428-60.5% | $95,960-67.7% | $79,852-61.2% |
| Participation rate | 79.4% | 73.5%+5.9pp | 77.1%+2.3pp | 69.6%+9.8pp |
| Annual return | 14.61% | 19.37%-4.8pp | 91.63%-77.0pp | 31.72%-17.1pp |
| Employer contribution / active EE | $2,399 | $1,945+23.3% | $2,541-5.6% | $2,471-2.9% |
| Participant deferral / active EE | $3,129 | $3,440-9.0% | $4,167-24.9% | $3,740-16.3% |
| Admin fee / account holder | $341 | $5,622-93.9% | $6,797-95.0% | $5,306-93.6% |