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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 | $25,331 | $81,262-68.8% | $155,602-83.7% | $80,911-68.7% |
| Participation rate | 94.1% | 66.2%+27.9pp | 78.2%+15.9pp | 67.6%+26.5pp |
| Annual return | 11.13% | 33.34%-22.2pp | 64.81%-53.7pp | 35.63%-24.5pp |
| Employer contribution / active EE | $1,013 | $3,102-67.3% | $4,675-78.3% | $2,756-63.2% |
| Participant deferral / active EE | $2,701 | $3,451-21.7% | $5,629-52.0% | $4,297-37.1% |
| Admin fee / account holder | $8,487 | $7,992+6.2% | $15,923-46.7% | $6,935+22.4% |