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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 | $25,339 | $81,276-68.8% | $155,574-83.7% | $80,925-68.7% |
| Participation rate | 91.9% | 66.2%+25.7pp | 78.2%+13.7pp | 67.7%+24.3pp |
| Annual return | 13.81% | 33.36%-19.6pp | 64.87%-51.1pp | 35.65%-21.8pp |
| Employer contribution / active EE | $556 | $3,103-82.1% | $4,676-88.1% | $2,756-79.8% |
| Participant deferral / active EE | $3,585 | $3,453+3.8% | $5,629-36.3% | $4,299-16.6% |
| Admin fee / account holder | $1,614 | $7,993-79.8% | $15,914-89.9% | $6,940-76.7% |