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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 | $52,871 | $98,240-46.2% | $82,312-35.8% | $147,586-64.2% |
| Participation rate | 94.4% | 79.7%+14.7pp | 76.9%+17.6pp | 82.8%+11.6pp |
| Annual return | 15.95% | 30.85%-14.9pp | 25.88%-9.9pp | 578.59%-562.6pp |
| Employer contribution / active EE | $2,460 | $3,192-22.9% | $2,428+1.3% | $4,876-49.6% |
| Participant deferral / active EE | $2,464 | $4,383-43.8% | $3,706-33.5% | $5,439-54.7% |
| Admin fee / account holder | $698 | $8,563-91.8% | $5,608-87.5% | $10,886-93.6% |