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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 | $22,692 | $51,207-55.7% | $70,565-67.8% | $75,177-69.8% |
| Participation rate | 96.0% | 61.0%+35.0pp | 68.4%+27.6pp | 67.2%+28.8pp |
| Annual return | 24.83% | 30.05%-5.2pp | 32.79%-8.0pp | 160.75%-135.9pp |
| Employer contribution / active EE | $8,774 | $1,826+380.4% | $2,976+194.8% | $2,671+228.5% |
| Participant deferral / active EE | $5,020 | $2,850+76.2% | $4,568+9.9% | $4,126+21.7% |
| Admin fee / account holder | $1,555 | $4,097-62.0% | $6,430-75.8% | $5,651-72.5% |