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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 | $20,575 | $91,198-77.4% | $178,503-88.5% | $79,856-74.2% |
| Participation rate | 75.0% | 69.2%+5.8pp | 81.9%-6.9pp | 69.6%+5.4pp |
| Annual return | 23.34% | 24.20%-0.9pp | 151.12%-127.8pp | 31.71%-8.4pp |
| Employer contribution / active EE | $2,176 | $3,257-33.2% | $5,011-56.6% | $2,471-11.9% |
| Participant deferral / active EE | $5,131 | $3,237+58.5% | $5,202-1.4% | $3,741+37.2% |
| Admin fee / account holder | $775 | $6,748-88.5% | $13,987-94.5% | $5,306-85.4% |