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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 | $25,416 | $75,541-66.4% | $152,093-83.3% | $82,637-69.2% |
| Participation rate | 86.1% | 66.5%+19.6pp | 77.8%+8.3pp | 68.1%+18.1pp |
| Annual return | 20.16% | 32.56%-12.4pp | 66.36%-46.2pp | 53.51%-33.3pp |
| Employer contribution / active EE | $2,523 | $2,622-3.8% | $4,175-39.6% | $2,552-1.1% |
| Participant deferral / active EE | $5,226 | $3,206+63.0% | $5,451-4.1% | $4,126+26.6% |
| Admin fee / account holder | $2,656 | $6,405-58.5% | $14,497-81.7% | $7,339-63.8% |