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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 | $12,334 | $57,541-78.6% | $95,740-87.1% | $75,173-83.6% |
| Participation rate | 97.4% | 62.5%+34.9pp | 72.3%+25.2pp | 67.2%+30.2pp |
| Annual return | 20.91% | 34.93%-14.0pp | 28.41%-7.5pp | 160.72%-139.8pp |
| Employer contribution / active EE | $2,111 | $1,808+16.8% | $2,836-25.6% | $2,671-21.0% |
| Participant deferral / active EE | $1,532 | $3,074-50.2% | $4,244-63.9% | $4,126-62.9% |
| Admin fee / account holder | $906 | $4,099-77.9% | $5,676-84.0% | $5,651-84.0% |