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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 | $22,716 | $108,212-79.0% | $77,513-70.7% | $158,966-85.7% |
| Participation rate | 95.7% | 64.4%+31.2pp | 54.2%+41.5pp | 82.0%+13.7pp |
| Annual return | 14.59% | 31.67%-17.1pp | 54.81%-40.2pp | 302.95%-288.4pp |
| Employer contribution / active EE | $983 | $1,325-25.8% | $987-0.4% | $4,762-79.4% |
| Participant deferral / active EE | $3,986 | $2,455+62.3% | $1,861+114.2% | $5,983-33.4% |
| Admin fee / account holder | $1,586 | $3,709-57.2% | $2,859-44.5% | $11,250-85.9% |