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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 | $27,066 | $48,364-44.0% | $71,796-62.3% | $62,881-57.0% |
| Participation rate | 86.2% | 60.6%+25.6pp | 69.1%+17.1pp | 69.3%+16.9pp |
| Annual return | 10.09% | 13.16%-3.1pp | 78.04%-67.9pp | 20.14%-10.0pp |
| Employer contribution / active EE | $1,310 | $1,042+25.8% | $1,924-31.9% | $2,281-42.5% |
| Participant deferral / active EE | $3,243 | $2,091+55.1% | $2,794+16.1% | $3,203+1.3% |
| Admin fee / account holder | $3,727 | $3,771-1.2% | $4,815-22.6% | $4,296-13.2% |