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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 | $24,840 | $77,814-68.1% | $158,223-84.3% | $86,983-71.4% |
| Participation rate | 80.9% | 68.4%+12.4pp | 79.2%+1.7pp | 69.5%+11.3pp |
| Annual return | 17.39% | 30.54%-13.1pp | 52.09%-34.7pp | 25.83%-8.4pp |
| Employer contribution / active EE | $2,381 | $2,592-8.1% | $4,109-42.0% | $2,584-7.9% |
| Participant deferral / active EE | $3,374 | $3,270+3.2% | $5,467-38.3% | $4,194-19.6% |
| Admin fee / account holder | $2,268 | $5,879-61.4% | $16,047-85.9% | $7,856-71.1% |