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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 | $19,092 | $46,599-59.0% | $64,101-70.2% | $75,173-74.6% |
| Participation rate | 95.5% | 65.9%+29.5pp | 72.3%+23.1pp | 67.2%+28.3pp |
| Annual return | 26.56% | 26.06%+0.5pp | 33.72%-7.2pp | 160.72%-134.2pp |
| Employer contribution / active EE | $2,912 | $1,975+47.4% | $2,749+6.0% | $2,671+9.0% |
| Participant deferral / active EE | $4,014 | $2,837+41.5% | $3,881+3.4% | $4,126-2.7% |
| Admin fee / account holder | $1,150 | $2,956-61.1% | $3,070-62.5% | $5,651-79.6% |