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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 | $18,267 | $60,442-69.8% | $96,754-81.1% | $87,485-79.1% |
| Participation rate | 89.1% | 58.7%+30.4pp | 70.3%+18.9pp | 68.9%+20.2pp |
| Annual return | 40.08% | 21.97%+18.1pp | 82.04%-42.0pp | 26.06%+14.0pp |
| Employer contribution / active EE | $1,245 | $1,691-26.4% | $2,679-53.5% | $2,596-52.0% |
| Participant deferral / active EE | $3,898 | $3,280+18.8% | $4,758-18.1% | $4,274-8.8% |
| Admin fee / account holder | $865 | $5,069-82.9% | $8,905-90.3% | $7,775-88.9% |