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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 | $23,674 | $62,549-62.2% | $85,705-72.4% | $85,851-72.4% |
| Participation rate | 73.3% | 61.1%+12.2pp | 69.9%+3.5pp | 69.3%+4.0pp |
| Annual return | 18.92% | 23.77%-4.8pp | 21.49%-2.6pp | 318.63%-299.7pp |
| Employer contribution / active EE | $2,458 | $1,755+40.0% | $2,619-6.1% | $2,565-4.2% |
| Participant deferral / active EE | $4,306 | $2,802+53.7% | $3,924+9.7% | $3,952+9.0% |
| Admin fee / account holder | $2,532 | $4,644-45.5% | $6,877-63.2% | $6,261-59.6% |