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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 | $16,926 | $59,440-71.5% | $78,004-78.3% | $82,637-79.5% |
| Participation rate | 94.9% | 62.8%+32.1pp | 69.4%+25.4pp | 68.1%+26.8pp |
| Annual return | 14.44% | 40.24%-25.8pp | 31.07%-16.6pp | 53.51%-39.1pp |
| Employer contribution / active EE | $2,120 | $1,750+21.1% | $2,469-14.1% | $2,552-16.9% |
| Participant deferral / active EE | $4,898 | $3,138+56.1% | $4,092+19.7% | $4,126+18.7% |
| Admin fee / account holder | $2,800 | $5,504-49.1% | $7,578-63.1% | $7,339-61.9% |