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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 | $24,428 | $88,672-72.5% | $105,223-76.8% | $82,448-70.4% |
| Participation rate | 74.5% | 67.9%+6.5pp | 75.0%-0.6pp | 68.1%+6.4pp |
| Annual return | 18.36% | 30.86%-12.5pp | 180.65%-162.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $3,162 | $3,048+3.7% | $3,689-14.3% | $2,551+24.0% |
| Participant deferral / active EE | $2,242 | $4,036-44.4% | $5,072-55.8% | $4,139-45.8% |
| Admin fee / account holder | $1,876 | $7,146-73.7% | $8,859-78.8% | $7,234-74.1% |