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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 | $22,310 | $81,331-72.6% | $155,534-85.7% | $80,935-72.4% |
| Participation rate | 96.9% | 66.3%+30.6pp | 78.2%+18.7pp | 67.7%+29.2pp |
| Annual return | 14.71% | 33.37%-18.7pp | 64.92%-50.2pp | 35.66%-20.9pp |
| Employer contribution / active EE | $2,441 | $3,105-21.4% | $4,675-47.8% | $2,757-11.4% |
| Participant deferral / active EE | $2,238 | $3,454-35.2% | $5,630-60.3% | $4,299-47.9% |
| Admin fee / account holder | $1,567 | $7,999-80.4% | $15,900-90.1% | $6,924-77.4% |