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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 | $77,814-61.2% | $158,223-80.9% | $86,983-65.3% |
| Participation rate | 84.3% | 68.4%+15.9pp | 79.2%+5.1pp | 69.5%+14.8pp |
| Annual return | 13.25% | 30.54%-17.3pp | 52.09%-38.8pp | 25.83%-12.6pp |
| Employer contribution / active EE | $1,992 | $2,592-23.1% | $4,109-51.5% | $2,584-22.9% |
| Participant deferral / active EE | $2,934 | $3,270-10.3% | $5,467-46.3% | $4,194-30.0% |
| Admin fee / account holder | $8,670 | $5,879+47.5% | $16,047-46.0% | $7,856+10.4% |