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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 | $26,704 | $66,124-59.6% | $90,440-70.5% | $73,493-63.7% |
| Participation rate | 71.3% | 69.7%+1.6pp | 72.7%-1.4pp | 70.7%+0.6pp |
| Annual return | 18.37% | 17.65%+0.7pp | 1294.38%-1276.0pp | 28.51%-10.1pp |
| Employer contribution / active EE | $2,137 | $2,346-8.9% | $3,263-34.5% | $2,270-5.8% |
| Participant deferral / active EE | $3,425 | $3,039+12.7% | $3,964-13.6% | $3,740-8.4% |
| Admin fee / account holder | $708 | $396+78.8% | $5,615-87.4% | $513+38.1% |