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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 | $30,169 | $76,407-60.5% | $150,298-79.9% | $82,448-63.4% |
| Participation rate | 84.3% | 66.4%+17.9pp | 77.8%+6.6pp | 68.1%+16.2pp |
| Annual return | 13.25% | 39.99%-26.7pp | 62.79%-49.5pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,992 | $2,614-23.8% | $4,154-52.0% | $2,551-21.9% |
| Participant deferral / active EE | $2,934 | $3,214-8.7% | $5,453-46.2% | $4,139-29.1% |
| Admin fee / account holder | $8,670 | $6,352+36.5% | $14,116-38.6% | $7,234+19.8% |