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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 | $51,642-47.1% | $129,384-78.9% | $80,935-66.2% |
| Participation rate | 71.4% | 56.9%+14.5pp | 69.6%+1.8pp | 67.7%+3.8pp |
| Annual return | 16.85% | 20.78%-3.9pp | 9461.77%-9444.9pp | 35.66%-18.8pp |
| Employer contribution / active EE | $2,595 | $1,583+63.9% | $4,153-37.5% | $2,757-5.9% |
| Participant deferral / active EE | $4,921 | $2,670+84.3% | $4,166+18.1% | $4,299+14.5% |
| Admin fee / account holder | $2,412 | $4,312-44.1% | $7,686-68.6% | $6,924-65.2% |