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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 | $60,442-73.1% | $96,754-83.2% | $87,485-81.4% |
| Participation rate | 83.9% | 58.7%+25.2pp | 70.3%+13.6pp | 68.9%+14.9pp |
| Annual return | 16.29% | 21.97%-5.7pp | 82.04%-65.7pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,757 | $1,691+3.9% | $2,679-34.4% | $2,596-32.3% |
| Participant deferral / active EE | $3,853 | $3,280+17.5% | $4,758-19.0% | $4,274-9.8% |
| Admin fee / account holder | $766 | $5,069-84.9% | $8,905-91.4% | $7,775-90.1% |