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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 | $20,511 | $58,099-64.7% | $76,902-73.3% | $75,177-72.7% |
| Participation rate | 97.2% | 63.9%+33.3pp | 69.6%+27.6pp | 67.2%+30.0pp |
| Annual return | 16.83% | 26.71%-9.9pp | 37.91%-21.1pp | 160.75%-143.9pp |
| Employer contribution / active EE | $2,925 | $1,996+46.6% | $2,534+15.4% | $2,671+9.5% |
| Participant deferral / active EE | $3,000 | $2,9990% | $3,833-21.8% | $4,126-27.3% |
| Admin fee / account holder | $350 | $4,778-92.7% | $5,479-93.6% | $5,651-93.8% |