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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 | $76,407-81.9% | $150,298-90.8% | $82,448-83.2% |
| Participation rate | 90.6% | 66.4%+24.2pp | 77.8%+12.9pp | 68.1%+22.6pp |
| Annual return | 17.05% | 39.99%-22.9pp | 62.79%-45.7pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,400 | $2,614-46.5% | $4,154-66.3% | $2,551-45.1% |
| Participant deferral / active EE | $2,851 | $3,214-11.3% | $5,453-47.7% | $4,139-31.1% |
| Admin fee / account holder | $1,018 | $6,352-84.0% | $14,116-92.8% | $7,234-85.9% |