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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 | $26,208 | $93,589-72.0% | $135,942-80.7% | $75,181-65.1% |
| Participation rate | 88.0% | 75.2%+12.8pp | 81.9%+6.1pp | 67.2%+20.8pp |
| Annual return | 18.39% | 30.90%-12.5pp | 68.28%-49.9pp | 160.69%-142.3pp |
| Employer contribution / active EE | $1,200 | $3,537-66.1% | $4,858-75.3% | $2,671-55.1% |
| Participant deferral / active EE | $4,722 | $6,405-26.3% | $7,759-39.1% | $4,126+14.4% |
| Admin fee / account holder | $3,691 | $6,977-47.1% | $10,764-65.7% | $5,650-34.7% |