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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 | $15,960 | $76,407-79.1% | $150,298-89.4% | $82,448-80.6% |
| Participation rate | 74.0% | 66.4%+7.6pp | 77.8%-3.8pp | 68.1%+5.9pp |
| Annual return | 26.07% | 39.99%-13.9pp | 62.79%-36.7pp | 41.64%-15.6pp |
| Employer contribution / active EE | $2,493 | $2,614-4.7% | $4,154-40.0% | $2,551-2.3% |
| Participant deferral / active EE | $3,629 | $3,214+12.9% | $5,453-33.4% | $4,139-12.3% |
| Admin fee / account holder | $969 | $6,352-84.7% | $14,116-93.1% | $7,234-86.6% |