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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 | $20,404 | $54,763-62.7% | $90,324-77.4% | $72,976-72.0% |
| Participation rate | 94.1% | 65.2%+29.0pp | 73.3%+20.8pp | 69.5%+24.6pp |
| Annual return | 21.24% | 30.63%-9.4pp | 78.15%-56.9pp | 81.02%-59.8pp |
| Employer contribution / active EE | $1,826 | $2,093-12.8% | $2,856-36.1% | $2,440-25.2% |
| Participant deferral / active EE | $4,118 | $2,887+42.6% | $3,885+6.0% | $3,608+14.1% |
| Admin fee / account holder | $526 | $3,973-86.8% | $5,356-90.2% | $5,124-89.7% |