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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 | $19,233 | $91,198-78.9% | $178,503-89.2% | $79,856-75.9% |
| Participation rate | 74.6% | 69.2%+5.4pp | 81.9%-7.3pp | 69.6%+5.0pp |
| Annual return | 23.09% | 24.20%-1.1pp | 151.12%-128.0pp | 31.71%-8.6pp |
| Employer contribution / active EE | $2,485 | $3,257-23.7% | $5,011-50.4% | $2,471+0.6% |
| Participant deferral / active EE | $1,454 | $3,237-55.1% | $5,202-72.1% | $3,741-61.1% |
| Admin fee / account holder | $1,222 | $6,748-81.9% | $13,987-91.3% | $5,306-77.0% |