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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 | $19,130 | $55,902-65.8% | $76,030-74.8% | $80,959-76.4% |
| Participation rate | 81.5% | 62.1%+19.4pp | 69.1%+12.4pp | 67.7%+13.8pp |
| Annual return | 14.12% | 20.59%-6.5pp | 361.54%-347.4pp | 35.67%-21.5pp |
| Employer contribution / active EE | $2,621 | $1,867+40.4% | $2,688-2.5% | $2,757-5.0% |
| Participant deferral / active EE | $3,899 | $3,051+27.8% | $4,257-8.4% | $4,300-9.3% |
| Admin fee / account holder | $1,825 | $5,239-65.2% | $6,421-71.6% | $6,925-73.6% |