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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 | $24,811 | $78,690-68.5% | $161,489-84.6% | $87,485-71.6% |
| Participation rate | 85.7% | 67.5%+18.2pp | 78.7%+7.0pp | 68.9%+16.8pp |
| Annual return | 18.43% | 32.74%-14.3pp | 89.72%-71.3pp | 26.06%-7.6pp |
| Employer contribution / active EE | $1,359 | $2,588-47.5% | $4,268-68.2% | $2,596-47.7% |
| Participant deferral / active EE | $2,592 | $3,311-21.7% | $5,630-54.0% | $4,274-39.4% |
| Admin fee / account holder | $5,695 | $6,724-15.3% | $16,006-64.4% | $7,775-26.7% |