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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 | $81,331-68.9% | $155,534-83.7% | $80,935-68.7% |
| Participation rate | 94.1% | 66.3%+27.9pp | 78.2%+15.9pp | 67.7%+26.5pp |
| Annual return | 11.13% | 33.37%-22.2pp | 64.92%-53.8pp | 35.66%-24.5pp |
| Employer contribution / active EE | $1,013 | $3,105-67.4% | $4,675-78.3% | $2,757-63.2% |
| Participant deferral / active EE | $2,701 | $3,454-21.8% | $5,630-52.0% | $4,299-37.2% |
| Admin fee / account holder | $8,487 | $7,999+6.1% | $15,900-46.6% | $6,924+22.6% |