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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 | $28,720 | $65,395-56.1% | $182,558-84.3% | $72,976-60.6% |
| Participation rate | 82.4% | 65.4%+16.9pp | 78.0%+4.4pp | 69.5%+12.9pp |
| Annual return | 20.88% | 27.68%-6.8pp | 148.59%-127.7pp | 81.02%-60.1pp |
| Employer contribution / active EE | $2,085 | $1,911+9.1% | $4,076-48.8% | $2,440-14.5% |
| Participant deferral / active EE | $3,524 | $3,563-1.1% | $5,526-36.2% | $3,608-2.3% |
| Admin fee / account holder | $497 | $4,245-88.3% | $8,594-94.2% | $5,124-90.3% |