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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 | $22,351 | $105,929-78.9% | $81,716-72.6% | $158,966-85.9% |
| Participation rate | 88.2% | 75.6%+12.6pp | 72.0%+16.2pp | 82.0%+6.3pp |
| Annual return | 17.59% | 38.19%-20.6pp | 29.49%-11.9pp | 302.95%-285.4pp |
| Employer contribution / active EE | $1,476 | $7,802-81.1% | $4,310-65.8% | $4,762-69.0% |
| Participant deferral / active EE | $3,785 | $13,007-70.9% | $7,108-46.7% | $5,983-36.7% |
| Admin fee / account holder | $884 | $8,492-89.6% | $5,159-82.9% | $11,250-92.1% |