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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 | $23,634 | $37,446-36.9% | $77,513-69.5% | $79,852-70.4% |
| Participation rate | 95.0% | 41.5%+53.5pp | 54.2%+40.8pp | 69.6%+25.4pp |
| Annual return | 19.51% | 39.76%-20.2pp | 54.81%-35.3pp | 31.72%-12.2pp |
| Employer contribution / active EE | $1,417 | $637+122.3% | $987+43.6% | $2,471-42.7% |
| Participant deferral / active EE | $3,026 | $1,261+140.0% | $1,861+62.6% | $3,740-19.1% |
| Admin fee / account holder | $884 | $2,506-64.7% | $2,859-69.1% | $5,306-83.3% |