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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 | $12,273 | $81,233-84.9% | $155,567-92.1% | $80,874-84.8% |
| Participation rate | 76.9% | 66.2%+10.7pp | 78.2%-1.3pp | 67.6%+9.3pp |
| Annual return | 16.78% | 33.33%-16.5pp | 64.74%-48.0pp | 35.62%-18.8pp |
| Employer contribution / active EE | $2,777 | $3,101-10.4% | $4,674-40.6% | $2,756+0.8% |
| Participant deferral / active EE | $4,125 | $3,452+19.5% | $5,628-26.7% | $4,297-4.0% |
| Admin fee / account holder | $403 | $7,998-95.0% | $15,916-97.5% | $6,935-94.2% |