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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 | $24,588 | $52,279-53.0% | $89,414-72.5% | $79,852-69.2% |
| Participation rate | 92.9% | 57.5%+35.3pp | 68.0%+24.9pp | 69.6%+23.2pp |
| Annual return | 12.62% | 22.16%-9.5pp | 245.50%-232.9pp | 31.72%-19.1pp |
| Employer contribution / active EE | $2,283 | $1,572+45.3% | $2,586-11.7% | $2,471-7.6% |
| Participant deferral / active EE | $3,272 | $2,740+19.4% | $3,890-15.9% | $3,740-12.5% |
| Admin fee / account holder | $4,125 | $3,356+22.9% | $4,883-15.5% | $5,306-22.3% |