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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 | $17,939 | $124,425-85.6% | $112,040-84.0% | $137,256-86.9% |
| Participation rate | 85.7% | 79.3%+6.4pp | 76.5%+9.2pp | 80.0%+5.8pp |
| Annual return | 15.61% | 24.72%-9.1pp | 24.52%-8.9pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,832 | $3,411-46.3% | $2,954-38.0% | $4,156-55.9% |
| Participant deferral / active EE | $2,722 | $5,718-52.4% | $5,098-46.6% | $6,407-57.5% |
| Admin fee / account holder | $8,230 | $15,207-45.9% | $12,098-32.0% | $12,270-32.9% |