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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 | $25,597 | $77,901-67.1% | $149,717-82.9% | $75,181-66.0% |
| Participation rate | 73.5% | 65.6%+8.0pp | 78.8%-5.2pp | 67.2%+6.3pp |
| Annual return | 24.45% | 31.73%-7.3pp | 134.41%-110.0pp | 160.69%-136.2pp |
| Employer contribution / active EE | $2,257 | $3,137-28.1% | $4,820-53.2% | $2,671-15.5% |
| Participant deferral / active EE | $3,562 | $3,411+4.4% | $5,682-37.3% | $4,126-13.7% |
| Admin fee / account holder | $616 | $5,949-89.7% | $13,213-95.3% | $5,650-89.1% |