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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 | $23,751 | $84,953-72.0% | $163,379-85.5% | $82,637-71.3% |
| Participation rate | 93.9% | 65.9%+28.0pp | 76.8%+17.1pp | 68.1%+25.9pp |
| Annual return | 18.37% | 23.07%-4.7pp | 63.41%-45.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,912 | $2,183-12.4% | $3,752-49.0% | $2,552-25.1% |
| Participant deferral / active EE | $3,927 | $4,326-9.2% | $6,282-37.5% | $4,126-4.8% |
| Admin fee / account holder | $2,882 | $7,921-63.6% | $9,818-70.6% | $7,339-60.7% |