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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 | $58,057-72.0% | $97,032-83.2% | $86,983-81.3% |
| Participation rate | 83.9% | 60.4%+23.5pp | 71.6%+12.3pp | 69.5%+14.3pp |
| Annual return | 16.29% | 22.26%-6.0pp | 35.38%-19.1pp | 25.83%-9.5pp |
| Employer contribution / active EE | $1,757 | $1,663+5.6% | $2,629-33.2% | $2,584-32.0% |
| Participant deferral / active EE | $3,853 | $3,244+18.8% | $4,672-17.5% | $4,194-8.1% |
| Admin fee / account holder | $766 | $4,839-84.2% | $9,418-91.9% | $7,856-90.2% |