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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 | $108,882-74.3% | $96,754-71.1% | $154,746-81.9% |
| Participation rate | 92.3% | 75.1%+17.2pp | 70.3%+22.0pp | 80.7%+11.6pp |
| Annual return | 18.07% | 98.39%-80.3pp | 82.04%-64.0pp | 172.34%-154.3pp |
| Employer contribution / active EE | $2,010 | $3,018-33.4% | $2,679-25.0% | $4,379-54.1% |
| Participant deferral / active EE | $2,718 | $5,323-48.9% | $4,758-42.9% | $6,730-59.6% |
| Admin fee / account holder | $609 | $10,200-94.0% | $8,905-93.2% | $14,365-95.8% |