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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 | $27,321 | $51,638-47.1% | $129,406-78.9% | $80,959-66.3% |
| Participation rate | 71.4% | 56.9%+14.5pp | 69.6%+1.8pp | 67.7%+3.8pp |
| Annual return | 16.85% | 20.78%-3.9pp | 9468.18%-9451.3pp | 35.67%-18.8pp |
| Employer contribution / active EE | $2,595 | $1,584+63.9% | $4,155-37.6% | $2,757-5.9% |
| Participant deferral / active EE | $4,921 | $2,670+84.3% | $4,167+18.1% | $4,300+14.4% |
| Admin fee / account holder | $2,412 | $4,313-44.1% | $7,689-68.6% | $6,925-65.2% |