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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 | $17,762 | $58,099-69.4% | $76,872-76.9% | $75,173-76.4% |
| Participation rate | 91.7% | 63.9%+27.8pp | 69.6%+22.1pp | 67.2%+24.5pp |
| Annual return | 22.37% | 26.71%-4.3pp | 37.90%-15.5pp | 160.72%-138.3pp |
| Employer contribution / active EE | $1,754 | $1,996-12.1% | $2,533-30.8% | $2,671-34.3% |
| Participant deferral / active EE | $3,232 | $2,999+7.8% | $3,832-15.7% | $4,126-21.7% |
| Admin fee / account holder | $497 | $4,778-89.6% | $5,476-90.9% | $5,651-91.2% |