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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 | $29,709 | $53,841-44.8% | $75,731-60.8% | $85,851-65.4% |
| Participation rate | 76.9% | 69.0%+7.9pp | 74.8%+2.1pp | 69.3%+7.6pp |
| Annual return | 19.40% | 24.54%-5.1pp | 104.65%-85.2pp | 318.63%-299.2pp |
| Employer contribution / active EE | $2,128 | $2,017+5.5% | $2,743-22.4% | $2,565-17.1% |
| Participant deferral / active EE | $5,331 | $2,895+84.2% | $3,820+39.5% | $3,952+34.9% |
| Admin fee / account holder | $1,609 | $3,340-51.8% | $3,620-55.6% | $6,261-74.3% |