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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 | $25,968 | $70,684-63.3% | $169,390-84.7% | $75,173-65.5% |
| Participation rate | 93.0% | 64.8%+28.2pp | 77.2%+15.8pp | 67.2%+25.8pp |
| Annual return | 17.25% | 36.38%-19.1pp | 406.07%-388.8pp | 160.72%-143.5pp |
| Employer contribution / active EE | $2,529 | $2,211+14.4% | $4,013-37.0% | $2,671-5.3% |
| Participant deferral / active EE | $4,339 | $4,310+0.7% | $6,222-30.3% | $4,126+5.2% |
| Admin fee / account holder | $3,686 | $5,404-31.8% | $9,015-59.1% | $5,651-34.8% |