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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 | $30,126 | $50,554-40.4% | $67,681-55.5% | $87,485-65.6% |
| Participation rate | 87.5% | 67.7%+19.8pp | 73.7%+13.8pp | 68.9%+18.6pp |
| Annual return | 19.11% | 17.81%+1.3pp | 590.58%-571.5pp | 26.06%-6.9pp |
| Employer contribution / active EE | $2,402 | $1,988+20.8% | $2,678-10.3% | $2,596-7.5% |
| Participant deferral / active EE | $5,464 | $2,961+84.5% | $3,976+37.4% | $4,274+27.9% |
| Admin fee / account holder | $620 | $4,132-85.0% | $6,100-89.8% | $7,775-92.0% |