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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 | $18,091 | $52,279-65.4% | $89,400-79.8% | $79,858-77.3% |
| Participation rate | 78.8% | 57.5%+21.2pp | 68.0%+10.8pp | 69.6%+9.2pp |
| Annual return | 12.80% | 22.16%-9.4pp | 245.64%-232.8pp | 31.72%-18.9pp |
| Employer contribution / active EE | $1,761 | $1,572+12.0% | $2,586-31.9% | $2,471-28.8% |
| Participant deferral / active EE | $3,061 | $2,740+11.7% | $3,890-21.3% | $3,740-18.2% |
| Admin fee / account holder | $2,511 | $3,356-25.2% | $4,882-48.6% | $5,306-52.7% |