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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 | $16,319 | $106,974-84.7% | $90,796-82.0% | $138,895-88.3% |
| Participation rate | 95.5% | 74.9%+20.6pp | 69.5%+26.0pp | 79.9%+15.5pp |
| Annual return | 13.19% | 20.10%-6.9pp | 19.29%-6.1pp | 145.39%-132.2pp |
| Employer contribution / active EE | $1,749 | $2,609-33.0% | $2,294-23.8% | $4,194-58.3% |
| Participant deferral / active EE | $3,885 | $4,455-12.8% | $3,822+1.7% | $6,396-39.3% |
| Admin fee / account holder | $924 | $8,626-89.3% | $7,024-86.8% | $12,562-92.6% |