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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 | $21,143 | $71,197-70.3% | $93,669-77.4% | $80,925-73.9% |
| Participation rate | 75.0% | 60.4%+14.6pp | 68.7%+6.3pp | 67.7%+7.3pp |
| Annual return | 18.94% | 11.27%+7.7pp | 133.59%-114.7pp | 35.65%-16.7pp |
| Employer contribution / active EE | $2,868 | $1,565+83.3% | $2,424+18.3% | $2,756+4.0% |
| Participant deferral / active EE | $5,506 | $4,036+36.4% | $4,416+24.7% | $4,299+28.1% |
| Admin fee / account holder | $4,842 | $6,959-30.4% | $8,291-41.6% | $6,940-30.2% |