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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 | $23,203 | $81,276-71.5% | $155,574-85.1% | $80,925-71.3% |
| Participation rate | 72.1% | 66.2%+5.9pp | 78.2%-6.1pp | 67.7%+4.5pp |
| Annual return | 14.62% | 33.36%-18.7pp | 64.87%-50.2pp | 35.65%-21.0pp |
| Employer contribution / active EE | $1,773 | $3,103-42.9% | $4,676-62.1% | $2,756-35.7% |
| Participant deferral / active EE | $2,913 | $3,453-15.6% | $5,629-48.2% | $4,299-32.2% |
| Admin fee / account holder | $454 | $7,993-94.3% | $15,914-97.1% | $6,940-93.5% |