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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 | $27,966 | $97,125-71.2% | $86,233-67.6% | $137,256-79.6% |
| Participation rate | 92.3% | 74.2%+18.1pp | 69.0%+23.3pp | 80.0%+12.3pp |
| Annual return | 18.07% | 74.19%-56.1pp | 61.39%-43.3pp | 220.34%-202.3pp |
| Employer contribution / active EE | $2,010 | $2,841-29.2% | $2,504-19.7% | $4,156-51.6% |
| Participant deferral / active EE | $2,718 | $5,180-47.5% | $4,559-40.4% | $6,407-57.6% |
| Admin fee / account holder | $609 | $9,725-93.7% | $8,342-92.7% | $12,270-95.0% |