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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 | $21,822 | $46,877-53.4% | $122,354-82.2% | $70,126-68.9% |
| Participation rate | 89.1% | 58.2%+30.9pp | 71.6%+17.4pp | 69.5%+19.5pp |
| Annual return | 15.26% | 24.22%-9.0pp | 30.28%-15.0pp | 73.15%-57.9pp |
| Employer contribution / active EE | $3,042 | $1,288+136.1% | $4,051-24.9% | $2,343+29.9% |
| Participant deferral / active EE | $3,783 | $2,167+74.5% | $3,287+15.1% | $3,332+13.5% |
| Admin fee / account holder | $3,419 | $3,324+2.9% | $5,479-37.6% | $4,645-26.4% |