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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 | $26,981 | $69,118-61.0% | $53,647-49.7% | $138,895-80.6% |
| Participation rate | 87.5% | 64.0%+23.5pp | 56.3%+31.2pp | 79.9%+7.6pp |
| Annual return | 17.76% | 248.26%-230.5pp | 358.33%-340.6pp | 145.39%-127.6pp |
| Employer contribution / active EE | $1,842 | $1,189+54.9% | $962+91.5% | $4,194-56.1% |
| Participant deferral / active EE | $3,323 | $2,274+46.1% | $1,813+83.2% | $6,396-48.1% |
| Admin fee / account holder | $3,966 | $2,724+45.6% | $2,460+61.2% | $12,562-68.4% |