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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 | $26,342 | $78,690-66.5% | $161,489-83.7% | $87,485-69.9% |
| Participation rate | 89.7% | 67.5%+22.2pp | 78.7%+11.0pp | 68.9%+20.7pp |
| Annual return | 17.13% | 32.74%-15.6pp | 89.72%-72.6pp | 26.06%-8.9pp |
| Employer contribution / active EE | $2,454 | $2,588-5.2% | $4,268-42.5% | $2,596-5.5% |
| Participant deferral / active EE | $2,240 | $3,311-32.3% | $5,630-60.2% | $4,274-47.6% |
| Admin fee / account holder | $6,181 | $6,724-8.1% | $16,006-61.4% | $7,775-20.5% |