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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 | $13,850 | $78,690-82.4% | $161,489-91.4% | $87,485-84.2% |
| Participation rate | 90.6% | 67.5%+23.2pp | 78.7%+11.9pp | 68.9%+21.7pp |
| Annual return | 17.05% | 32.74%-15.7pp | 89.72%-72.7pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,400 | $2,588-45.9% | $4,268-67.2% | $2,596-46.1% |
| Participant deferral / active EE | $2,851 | $3,311-13.9% | $5,630-49.4% | $4,274-33.3% |
| Admin fee / account holder | $1,018 | $6,724-84.9% | $16,006-93.6% | $7,775-86.9% |