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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 | $18,208 | $81,331-77.6% | $155,534-88.3% | $80,935-77.5% |
| Participation rate | 74.5% | 66.3%+8.2pp | 78.2%-3.8pp | 67.7%+6.8pp |
| Annual return | 15.03% | 33.37%-18.3pp | 64.92%-49.9pp | 35.66%-20.6pp |
| Employer contribution / active EE | $1,131 | $3,105-63.6% | $4,675-75.8% | $2,757-59.0% |
| Participant deferral / active EE | $2,069 | $3,454-40.1% | $5,630-63.2% | $4,299-51.9% |
| Admin fee / account holder | $757 | $7,999-90.5% | $15,900-95.2% | $6,924-89.1% |