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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 | $15,911 | $81,358-80.4% | $155,556-89.8% | $80,959-80.3% |
| Participation rate | 96.3% | 66.3%+30.0pp | 78.2%+18.1pp | 67.7%+28.6pp |
| Annual return | 16.57% | 33.39%-16.8pp | 64.84%-48.3pp | 35.67%-19.1pp |
| Employer contribution / active EE | $1,565 | $3,106-49.6% | $4,675-66.5% | $2,757-43.2% |
| Participant deferral / active EE | $5,471 | $3,455+58.3% | $5,631-2.8% | $4,300+27.2% |
| Admin fee / account holder | $905 | $7,994-88.7% | $15,885-94.3% | $6,925-86.9% |