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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 | $22,446 | $65,364-65.7% | $92,909-75.8% | $72,975-69.2% |
| Participation rate | 95.0% | 68.3%+26.7pp | 76.0%+19.0pp | 69.5%+25.5pp |
| Annual return | 22.15% | 42.11%-20.0pp | 109.44%-87.3pp | 81.01%-58.9pp |
| Employer contribution / active EE | $1,217 | $2,594-53.1% | $3,653-66.7% | $2,440-50.1% |
| Participant deferral / active EE | $3,763 | $3,128+20.3% | $4,238-11.2% | $3,608+4.3% |
| Admin fee / account holder | $1,401 | $4,251-67.0% | $5,795-75.8% | $5,124-72.7% |