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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 | $20,209 | $72,012-71.9% | $185,808-89.1% | $79,860-74.7% |
| Participation rate | 92.0% | 65.8%+26.2pp | 78.0%+14.0pp | 69.6%+22.4pp |
| Annual return | 13.29% | 23.12%-9.8pp | 35.95%-22.7pp | 31.72%-18.4pp |
| Employer contribution / active EE | $1,274 | $1,965-35.1% | $4,086-68.8% | $2,471-48.4% |
| Participant deferral / active EE | $1,830 | $3,779-51.6% | $5,632-67.5% | $3,740-51.1% |
| Admin fee / account holder | $2,181 | $4,513-51.7% | $9,501-77.0% | $5,306-58.9% |