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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 | $22,498 | $62,592-64.1% | $85,693-73.7% | $85,856-73.8% |
| Participation rate | 92.6% | 61.1%+31.5pp | 69.9%+22.7pp | 69.3%+23.3pp |
| Annual return | 13.63% | 23.77%-10.1pp | 21.49%-7.9pp | 318.58%-305.0pp |
| Employer contribution / active EE | $1,968 | $1,755+12.1% | $2,618-24.8% | $2,565-23.3% |
| Participant deferral / active EE | $2,626 | $2,802-6.3% | $3,923-33.1% | $3,952-33.6% |
| Admin fee / account holder | $4,834 | $4,643+4.1% | $6,874-29.7% | $6,261-22.8% |