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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 | $26,523 | $117,444-77.4% | $99,479-73.3% | $152,909-82.7% |
| Participation rate | 76.9% | 77.5%-0.6pp | 73.8%+3.1pp | 82.5%-5.5pp |
| Annual return | 23.04% | 31.87%-8.8pp | 30.72%-7.7pp | 345.46%-322.4pp |
| Employer contribution / active EE | $1,131 | $3,014-62.5% | $2,540-55.5% | $4,764-76.3% |
| Participant deferral / active EE | $2,357 | $4,086-42.3% | $3,619-34.9% | $5,851-59.7% |
| Admin fee / account holder | $433 | $7,635-94.3% | $6,253-93.1% | $11,601-96.3% |