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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 | $27,379 | $91,179-70.0% | $178,499-84.7% | $79,852-65.7% |
| Participation rate | 94.0% | 69.2%+24.8pp | 81.9%+12.1pp | 69.6%+24.4pp |
| Annual return | 17.18% | 24.19%-7.0pp | 151.10%-133.9pp | 31.72%-14.5pp |
| Employer contribution / active EE | $2,425 | $3,256-25.5% | $5,011-51.6% | $2,471-1.9% |
| Participant deferral / active EE | $4,423 | $3,236+36.7% | $5,202-15.0% | $3,740+18.3% |
| Admin fee / account holder | $3,977 | $6,749-41.1% | $13,986-71.6% | $5,306-25.1% |