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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 | $26,475 | $51,642-48.7% | $129,384-79.5% | $80,935-67.3% |
| Participation rate | 72.9% | 56.9%+16.0pp | 69.6%+3.3pp | 67.7%+5.3pp |
| Annual return | 14.04% | 20.78%-6.7pp | 9461.77%-9447.7pp | 35.66%-21.6pp |
| Employer contribution / active EE | $2,319 | $1,583+46.5% | $4,153-44.2% | $2,757-15.9% |
| Participant deferral / active EE | $4,138 | $2,670+55.0% | $4,166-0.7% | $4,299-3.8% |
| Admin fee / account holder | $1,469 | $4,312-65.9% | $7,686-80.9% | $6,924-78.8% |