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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 | $21,837 | $64,920-66.4% | $103,693-78.9% | $86,983-74.9% |
| Participation rate | 97.4% | 63.6%+33.8pp | 72.6%+24.7pp | 69.5%+27.8pp |
| Annual return | 16.50% | 30.29%-13.8pp | 47.61%-31.1pp | 25.83%-9.3pp |
| Employer contribution / active EE | $1,686 | $2,141-21.3% | $2,920-42.3% | $2,584-34.8% |
| Participant deferral / active EE | $3,739 | $3,241+15.4% | $4,579-18.4% | $4,194-10.8% |
| Admin fee / account holder | $354 | $6,191-94.3% | $7,858-95.5% | $7,856-95.5% |