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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 | $14,668 | $76,407-80.8% | $150,298-90.2% | $82,448-82.2% |
| Participation rate | 77.6% | 66.4%+11.2pp | 77.8%-0.2pp | 68.1%+9.5pp |
| Annual return | 24.83% | 39.99%-15.2pp | 62.79%-38.0pp | 41.64%-16.8pp |
| Employer contribution / active EE | $1,795 | $2,614-31.3% | $4,154-56.8% | $2,551-29.6% |
| Participant deferral / active EE | $3,882 | $3,214+20.8% | $5,453-28.8% | $4,139-6.2% |
| Admin fee / account holder | $1,833 | $6,352-71.1% | $14,116-87.0% | $7,234-74.7% |