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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 | $25,520 | $61,787-58.7% | $97,197-73.7% | $80,925-68.5% |
| Participation rate | 77.8% | 63.5%+14.3pp | 72.7%+5.1pp | 67.7%+10.1pp |
| Annual return | 17.71% | -558.16%+575.9pp | 75.47%-57.8pp | 35.65%-17.9pp |
| Employer contribution / active EE | $2,322 | $1,836+26.4% | $2,723-14.7% | $2,756-15.8% |
| Participant deferral / active EE | $2,541 | $3,027-16.1% | $4,263-40.4% | $4,299-40.9% |
| Admin fee / account holder | $338 | $5,170-93.5% | $5,637-94.0% | $6,940-95.1% |