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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 | $57,590-71.7% | $86,233-81.1% | $82,448-80.3% |
| Participation rate | 83.9% | 57.9%+26.0pp | 69.0%+14.9pp | 68.1%+15.8pp |
| Annual return | 16.29% | 22.41%-6.1pp | 61.39%-45.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,757 | $1,655+6.2% | $2,504-29.8% | $2,551-31.1% |
| Participant deferral / active EE | $3,853 | $3,080+25.1% | $4,559-15.5% | $4,139-6.9% |
| Admin fee / account holder | $766 | $4,730-83.8% | $8,342-90.8% | $7,234-89.4% |