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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 | $16,647 | $81,276-79.5% | $155,574-89.3% | $80,925-79.4% |
| Participation rate | 96.0% | 66.2%+29.8pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 18.68% | 33.36%-14.7pp | 64.87%-46.2pp | 35.65%-17.0pp |
| Employer contribution / active EE | $1,796 | $3,103-42.1% | $4,676-61.6% | $2,756-34.8% |
| Participant deferral / active EE | $4,953 | $3,453+43.5% | $5,629-12.0% | $4,299+15.2% |
| Admin fee / account holder | $353 | $7,993-95.6% | $15,914-97.8% | $6,940-94.9% |