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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 | $9,755 | $81,276-88.0% | $155,574-93.7% | $80,925-87.9% |
| Participation rate | 95.0% | 66.2%+28.8pp | 78.2%+16.8pp | 67.7%+27.3pp |
| Annual return | 13.16% | 33.36%-20.2pp | 64.87%-51.7pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,745 | $3,103-43.8% | $4,676-62.7% | $2,756-36.7% |
| Participant deferral / active EE | $3,571 | $3,453+3.4% | $5,629-36.6% | $4,299-16.9% |
| Admin fee / account holder | $482 | $7,993-94.0% | $15,914-97.0% | $6,940-93.0% |