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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 | $20,074 | $81,358-75.3% | $155,556-87.1% | $80,959-75.2% |
| Participation rate | 90.2% | 66.3%+24.0pp | 78.2%+12.0pp | 67.7%+22.6pp |
| Annual return | 15.51% | 33.39%-17.9pp | 64.84%-49.3pp | 35.67%-20.2pp |
| Employer contribution / active EE | $2,587 | $3,106-16.7% | $4,675-44.7% | $2,757-6.2% |
| Participant deferral / active EE | $5,518 | $3,455+59.7% | $5,631-2.0% | $4,300+28.3% |
| Admin fee / account holder | $2,323 | $7,994-70.9% | $15,885-85.4% | $6,925-66.5% |