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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 | $24,541 | $75,541-67.5% | $152,093-83.9% | $82,637-70.3% |
| Participation rate | 88.4% | 66.5%+21.8pp | 77.8%+10.6pp | 68.1%+20.3pp |
| Annual return | 14.72% | 32.56%-17.8pp | 66.36%-51.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $696 | $2,622-73.5% | $4,175-83.3% | $2,552-72.7% |
| Participant deferral / active EE | $1,361 | $3,206-57.6% | $5,451-75.0% | $4,126-67.0% |
| Admin fee / account holder | $1,904 | $6,405-70.3% | $14,497-86.9% | $7,339-74.1% |