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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 | $23,445 | $93,617-75.0% | $135,982-82.8% | $75,177-68.8% |
| Participation rate | 90.4% | 75.2%+15.2pp | 81.9%+8.5pp | 67.2%+23.2pp |
| Annual return | 17.73% | 30.89%-13.2pp | 68.32%-50.6pp | 160.75%-143.0pp |
| Employer contribution / active EE | $1,717 | $3,538-51.5% | $4,859-64.7% | $2,671-35.7% |
| Participant deferral / active EE | $3,649 | $6,406-43.0% | $7,760-53.0% | $4,126-11.6% |
| Admin fee / account holder | $820 | $6,980-88.2% | $10,767-92.4% | $5,651-85.5% |