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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 | $16,280 | $63,949-74.5% | $129,031-87.4% | $94,015-82.7% |
| Participation rate | 83.9% | 63.4%+20.4pp | 73.4%+10.5pp | 70.8%+13.0pp |
| Annual return | 16.29% | 17.56%-1.3pp | 34.67%-18.4pp | 17.84%-1.6pp |
| Employer contribution / active EE | $1,757 | $1,865-5.8% | $3,226-45.5% | $2,790-37.0% |
| Participant deferral / active EE | $3,853 | $3,686+4.5% | $5,217-26.2% | $4,249-9.3% |
| Admin fee / account holder | $766 | $5,523-86.1% | $13,208-94.2% | $8,951-91.4% |