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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 | $27,747 | $55,930-50.4% | $76,089-63.5% | $80,925-65.7% |
| Participation rate | 76.1% | 62.1%+14.0pp | 69.1%+7.0pp | 67.7%+8.4pp |
| Annual return | 11.81% | 20.58%-8.8pp | 360.94%-349.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $2,154 | $1,866+15.4% | $2,690-19.9% | $2,756-21.8% |
| Participant deferral / active EE | $3,429 | $3,051+12.4% | $4,259-19.5% | $4,299-20.2% |
| Admin fee / account holder | $6,566 | $5,241+25.3% | $6,418+2.3% | $6,940-5.4% |