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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 | $18,446 | $90,486-79.6% | $78,676-76.6% | $273,972-93.3% |
| Participation rate | 82.4% | 76.5%+5.8pp | 73.6%+8.8pp | 83.0%-0.7pp |
| Annual return | 6.41% | 75.62%-69.2pp | 62.19%-55.8pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,944 | $3,175-38.8% | $2,850-31.8% | $4,869-60.1% |
| Participant deferral / active EE | $2,596 | $3,901-33.5% | $3,517-26.2% | $5,287-50.9% |
| Admin fee / account holder | $573 | $5,263-89.1% | $4,510-87.3% | $10,133-94.3% |