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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 | $25,310 | $90,400-72.0% | $186,193-86.4% | $87,485-71.1% |
| Participation rate | 83.3% | 66.2%+17.1pp | 77.1%+6.2pp | 68.9%+14.4pp |
| Annual return | 17.86% | 22.15%-4.3pp | 78.03%-60.2pp | 26.06%-8.2pp |
| Employer contribution / active EE | $593 | $2,170-72.7% | $3,918-84.9% | $2,596-77.2% |
| Participant deferral / active EE | $4,852 | $4,330+12.1% | $6,513-25.5% | $4,274+13.5% |
| Admin fee / account holder | $1,045 | $8,673-87.9% | $11,058-90.5% | $7,775-86.6% |