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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 | $23,741 | $72,273-67.2% | $101,275-76.6% | $79,856-70.3% |
| Participation rate | 81.0% | 68.5%+12.6pp | 75.8%+5.2pp | 69.6%+11.4pp |
| Annual return | 14.20% | 22.30%-8.1pp | 46.48%-32.3pp | 31.71%-17.5pp |
| Employer contribution / active EE | $1,403 | $2,691-47.9% | $3,660-61.7% | $2,471-43.2% |
| Participant deferral / active EE | $1,756 | $3,282-46.5% | $4,371-59.8% | $3,741-53.1% |
| Admin fee / account holder | $5,323 | $4,401+21.0% | $5,948-10.5% | $5,306+0.3% |