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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 | $22,073 | $81,262-72.8% | $155,602-85.8% | $80,911-72.7% |
| Participation rate | 92.2% | 66.2%+25.9pp | 78.2%+14.0pp | 67.6%+24.5pp |
| Annual return | 12.62% | 33.34%-20.7pp | 64.81%-52.2pp | 35.63%-23.0pp |
| Employer contribution / active EE | $726 | $3,102-76.6% | $4,675-84.5% | $2,756-73.7% |
| Participant deferral / active EE | $1,866 | $3,451-45.9% | $5,629-66.9% | $4,297-56.6% |
| Admin fee / account holder | $1,734 | $7,992-78.3% | $15,923-89.1% | $6,935-75.0% |