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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 | $27,881 | $81,331-65.7% | $155,534-82.1% | $80,935-65.6% |
| Participation rate | 89.1% | 66.3%+22.8pp | 78.2%+10.9pp | 67.7%+21.4pp |
| Annual return | 17.38% | 33.37%-16.0pp | 64.92%-47.5pp | 35.66%-18.3pp |
| Employer contribution / active EE | $3,407 | $3,105+9.7% | $4,675-27.1% | $2,757+23.6% |
| Participant deferral / active EE | $5,569 | $3,454+61.2% | $5,630-1.1% | $4,299+29.5% |
| Admin fee / account holder | $4,025 | $7,999-49.7% | $15,900-74.7% | $6,924-41.9% |