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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 | $27,099 | $103,393-73.8% | $87,103-68.9% | $152,909-82.3% |
| Participation rate | 91.3% | 79.4%+11.9pp | 76.9%+14.4pp | 82.5%+8.8pp |
| Annual return | 24.22% | 28.10%-3.9pp | 28.19%-4.0pp | 345.46%-321.2pp |
| Employer contribution / active EE | $1,445 | $3,221-55.1% | $2,521-42.7% | $4,764-69.7% |
| Participant deferral / active EE | $2,237 | $4,778-53.2% | $4,049-44.7% | $5,851-61.8% |
| Admin fee / account holder | $461 | $12,195-96.2% | $7,491-93.8% | $11,601-96.0% |