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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 | $23,476 | $95,406-75.4% | $185,849-87.4% | $85,847-72.7% |
| Participation rate | 85.2% | 68.8%+16.4pp | 81.7%+3.5pp | 69.3%+15.9pp |
| Annual return | 14.96% | 23.59%-8.6pp | 122.10%-107.1pp | 318.61%-303.6pp |
| Employer contribution / active EE | $2,255 | $3,314-31.9% | $5,169-56.4% | $2,565-12.1% |
| Participant deferral / active EE | $5,823 | $3,424+70.1% | $5,569+4.6% | $3,952+47.3% |
| Admin fee / account holder | $584 | $7,214-91.9% | $16,244-96.4% | $6,261-90.7% |