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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 | $15,404 | $52,279-70.5% | $89,435-82.8% | $79,856-80.7% |
| Participation rate | 95.5% | 57.5%+37.9pp | 68.0%+27.5pp | 69.6%+25.8pp |
| Annual return | 16.68% | 22.16%-5.5pp | 245.55%-228.9pp | 31.71%-15.0pp |
| Employer contribution / active EE | $429 | $1,572-72.7% | $2,587-83.4% | $2,471-82.6% |
| Participant deferral / active EE | $1,564 | $2,740-42.9% | $3,890-59.8% | $3,741-58.2% |
| Admin fee / account holder | $356 | $3,356-89.4% | $4,884-92.7% | $5,306-93.3% |