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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 | $11,356 | $77,908-85.4% | $149,696-92.4% | $75,173-84.9% |
| Participation rate | 72.7% | 65.6%+7.1pp | 78.8%-6.0pp | 67.2%+5.5pp |
| Annual return | 19.79% | 31.73%-11.9pp | 134.46%-114.7pp | 160.72%-140.9pp |
| Employer contribution / active EE | $2,400 | $3,138-23.5% | $4,821-50.2% | $2,671-10.2% |
| Participant deferral / active EE | $3,646 | $3,411+6.9% | $5,682-35.8% | $4,126-11.6% |
| Admin fee / account holder | $1,887 | $5,950-68.3% | $13,212-85.7% | $5,651-66.6% |