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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 | $12,258 | $58,627-79.1% | $76,735-84.0% | $82,448-85.1% |
| Participation rate | 98.0% | 63.2%+34.7pp | 69.5%+28.5pp | 68.1%+29.9pp |
| Annual return | 25.25% | 39.10%-13.8pp | 29.77%-4.5pp | 41.64%-16.4pp |
| Employer contribution / active EE | $1,564 | $1,729-9.5% | $2,454-36.3% | $2,551-38.7% |
| Participant deferral / active EE | $3,045 | $3,134-2.8% | $4,088-25.5% | $4,139-26.4% |
| Admin fee / account holder | $422 | $5,323-92.1% | $7,189-94.1% | $7,234-94.2% |