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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 | $14,329 | $56,063-74.4% | $76,051-81.2% | $80,911-82.3% |
| Participation rate | 82.2% | 62.0%+20.2pp | 69.1%+13.1pp | 67.6%+14.6pp |
| Annual return | 10.75% | 20.54%-9.8pp | 360.42%-349.7pp | 35.63%-24.9pp |
| Employer contribution / active EE | $2,627 | $1,874+40.2% | $2,690-2.3% | $2,756-4.7% |
| Participant deferral / active EE | $4,053 | $3,052+32.8% | $4,257-4.8% | $4,297-5.7% |
| Admin fee / account holder | $4,537 | $5,240-13.4% | $6,416-29.3% | $6,935-34.6% |