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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 | $11,561 | $55,902-79.3% | $76,030-84.8% | $80,959-85.7% |
| Participation rate | 92.9% | 62.1%+30.8pp | 69.1%+23.8pp | 67.7%+25.2pp |
| Annual return | 13.91% | 20.59%-6.7pp | 361.54%-347.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $3,244 | $1,867+73.8% | $2,688+20.7% | $2,757+17.7% |
| Participant deferral / active EE | $5,813 | $3,051+90.6% | $4,257+36.5% | $4,300+35.2% |
| Admin fee / account holder | $2,037 | $5,239-61.1% | $6,421-68.3% | $6,925-70.6% |