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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 | $10,473 | $75,541-86.1% | $152,093-93.1% | $82,637-87.3% |
| Participation rate | 94.3% | 66.5%+27.7pp | 77.8%+16.5pp | 68.1%+26.2pp |
| Annual return | 19.29% | 32.56%-13.3pp | 66.36%-47.1pp | 53.51%-34.2pp |
| Employer contribution / active EE | $1,302 | $2,622-50.3% | $4,175-68.8% | $2,552-49.0% |
| Participant deferral / active EE | $2,412 | $3,206-24.7% | $5,451-55.7% | $4,126-41.5% |
| Admin fee / account holder | $1,103 | $6,405-82.8% | $14,497-92.4% | $7,339-85.0% |