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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 | $17,119 | $54,757-68.7% | $90,304-81.0% | $72,975-76.5% |
| Participation rate | 97.0% | 65.2%+31.8pp | 73.3%+23.7pp | 69.5%+27.5pp |
| Annual return | 25.58% | 30.63%-5.1pp | 78.13%-52.6pp | 81.01%-55.4pp |
| Employer contribution / active EE | $1,496 | $2,093-28.5% | $2,855-47.6% | $2,440-38.7% |
| Participant deferral / active EE | $4,153 | $2,887+43.8% | $3,885+6.9% | $3,608+15.1% |
| Admin fee / account holder | $428 | $3,973-89.2% | $5,354-92.0% | $5,124-91.6% |