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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 | $16,778 | $87,166-80.8% | $76,735-78.1% | $137,256-87.8% |
| Participation rate | 76.2% | 74.4%+1.8pp | 69.5%+6.7pp | 80.0%-3.8pp |
| Annual return | 20.49% | 26.50%-6.0pp | 29.77%-9.3pp | 220.34%-199.9pp |
| Employer contribution / active EE | $568 | $2,904-80.4% | $2,454-76.9% | $4,156-86.3% |
| Participant deferral / active EE | $3,175 | $4,726-32.8% | $4,088-22.3% | $6,407-50.4% |
| Admin fee / account holder | $1,817 | $8,403-78.4% | $7,189-74.7% | $12,270-85.2% |