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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 | $21,682 | $77,817-72.1% | $123,553-82.5% | $64,173-66.2% |
| Participation rate | 92.3% | 74.7%+17.6pp | 82.3%+10.0pp | 69.6%+22.7pp |
| Annual return | 2.84% | 12.49%-9.7pp | 119.21%-116.4pp | 7.63%-4.8pp |
| Employer contribution / active EE | $5,896 | $3,014+95.6% | $4,628+27.4% | $2,381+147.6% |
| Participant deferral / active EE | $6,472 | $5,240+23.5% | $6,426+0.7% | $3,470+86.5% |
| Admin fee / account holder | $2,384 | $5,519-56.8% | $9,284-74.3% | $4,887-51.2% |