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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 | $28,582 | $71,230-59.9% | $93,727-69.5% | $80,959-64.7% |
| Participation rate | 85.4% | 60.4%+25.0pp | 68.7%+16.7pp | 67.7%+17.7pp |
| Annual return | 15.05% | 11.26%+3.8pp | 133.83%-118.8pp | 35.67%-20.6pp |
| Employer contribution / active EE | $2,784 | $1,565+77.9% | $2,421+15.0% | $2,757+1.0% |
| Participant deferral / active EE | $5,189 | $4,037+28.5% | $4,417+17.5% | $4,300+20.7% |
| Admin fee / account holder | $3,077 | $6,961-55.8% | $8,292-62.9% | $6,925-55.6% |