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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 | $23,890 | $76,407-68.7% | $150,298-84.1% | $82,448-71.0% |
| Participation rate | 89.7% | 66.4%+23.3pp | 77.8%+11.9pp | 68.1%+21.6pp |
| Annual return | 14.89% | 39.99%-25.1pp | 62.79%-47.9pp | 41.64%-26.7pp |
| Employer contribution / active EE | $2,048 | $2,614-21.6% | $4,154-50.7% | $2,551-19.7% |
| Participant deferral / active EE | $3,588 | $3,214+11.6% | $5,453-34.2% | $4,139-13.3% |
| Admin fee / account holder | $2,105 | $6,352-66.9% | $14,116-85.1% | $7,234-70.9% |