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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 | $42,685 | $88,360-51.7% | $145,433-70.6% | $67,986-37.2% |
| Participation rate | 94.1% | 65.5%+28.6pp | 82.1%+11.9pp | 57.2%+36.9pp |
| Annual return | 17.86% | 63.15%-45.3pp | 66.58%-48.7pp | 31.67%-13.8pp |
| Employer contribution / active EE | $1,935 | $3,054-36.6% | $4,554-57.5% | $2,019-4.1% |
| Participant deferral / active EE | $2,367 | $5,932-60.1% | $7,897-70.0% | $3,358-29.5% |
| Admin fee / account holder | $12,192 | $3,313+268.0% | $13,129-7.1% | $3,203+280.6% |