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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 | $28,435 | $77,908-63.5% | $149,696-81.0% | $75,173-62.2% |
| Participation rate | 93.3% | 65.6%+27.8pp | 78.8%+14.6pp | 67.2%+26.1pp |
| Annual return | 18.57% | 31.73%-13.2pp | 134.46%-115.9pp | 160.72%-142.1pp |
| Employer contribution / active EE | $2,462 | $3,138-21.5% | $4,821-48.9% | $2,671-7.8% |
| Participant deferral / active EE | $4,576 | $3,411+34.2% | $5,682-19.5% | $4,126+10.9% |
| Admin fee / account holder | $757 | $5,950-87.3% | $13,212-94.3% | $5,651-86.6% |