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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 | $23,506 | $55,902-58.0% | $76,030-69.1% | $80,959-71.0% |
| Participation rate | 72.3% | 62.1%+10.2pp | 69.1%+3.2pp | 67.7%+4.6pp |
| Annual return | 15.02% | 20.59%-5.6pp | 361.54%-346.5pp | 35.67%-20.6pp |
| Employer contribution / active EE | $3,400 | $1,867+82.2% | $2,688+26.5% | $2,757+23.3% |
| Participant deferral / active EE | $5,338 | $3,051+75.0% | $4,257+25.4% | $4,300+24.1% |
| Admin fee / account holder | $3,465 | $5,239-33.9% | $6,421-46.0% | $6,925-50.0% |