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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 | $18,288 | $56,110-67.4% | $94,993-80.7% | $70,126-73.9% |
| Participation rate | 76.5% | 65.0%+11.5pp | 73.9%+2.6pp | 69.5%+6.9pp |
| Annual return | 21.49% | 51.02%-29.5pp | 27.14%-5.7pp | 73.15%-51.7pp |
| Employer contribution / active EE | $1,079 | $1,442-25.2% | $2,603-58.6% | $2,343-53.9% |
| Participant deferral / active EE | $1,765 | $2,391-26.2% | $3,317-46.8% | $3,332-47.0% |
| Admin fee / account holder | $1,438 | $3,456-58.4% | $4,960-71.0% | $4,645-69.0% |