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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 | $13,663 | $55,902-75.6% | $76,030-82.0% | $80,959-83.1% |
| Participation rate | 83.7% | 62.1%+21.6pp | 69.1%+14.6pp | 67.7%+16.0pp |
| Annual return | 16.50% | 20.59%-4.1pp | 361.54%-345.0pp | 35.67%-19.2pp |
| Employer contribution / active EE | $1,364 | $1,867-27.0% | $2,688-49.3% | $2,757-50.5% |
| Participant deferral / active EE | $3,205 | $3,051+5.1% | $4,257-24.7% | $4,300-25.5% |
| Admin fee / account holder | $1,884 | $5,239-64.0% | $6,421-70.7% | $6,925-72.8% |