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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 | $57,590-68.3% | $86,233-78.8% | $82,448-77.8% |
| Participation rate | 89.1% | 57.9%+31.3pp | 69.0%+20.1pp | 68.1%+21.1pp |
| Annual return | 40.08% | 22.41%+17.7pp | 61.39%-21.3pp | 41.64%-1.6pp |
| Employer contribution / active EE | $1,245 | $1,655-24.8% | $2,504-50.3% | $2,551-51.2% |
| Participant deferral / active EE | $3,898 | $3,080+26.6% | $4,559-14.5% | $4,139-5.8% |
| Admin fee / account holder | $865 | $4,730-81.7% | $8,342-89.6% | $7,234-88.0% |