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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 | $16,271 | $45,082-63.9% | $69,464-76.6% | $72,975-77.7% |
| Participation rate | 89.6% | 68.5%+21.1pp | 74.6%+15.0pp | 69.5%+20.1pp |
| Annual return | 28.34% | 22.66%+5.7pp | 28.98%-0.6pp | 81.01%-52.7pp |
| Employer contribution / active EE | $5,562 | $2,055+170.6% | $2,779+100.1% | $2,440+127.9% |
| Participant deferral / active EE | $1,151 | $2,604-55.8% | $3,536-67.4% | $3,608-68.1% |
| Admin fee / account holder | $2,901 | $3,057-5.1% | $3,840-24.5% | $5,124-43.4% |