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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 | $21,305 | $75,541-71.8% | $152,093-86.0% | $82,637-74.2% |
| Participation rate | 98.0% | 66.5%+31.4pp | 77.8%+20.2pp | 68.1%+29.9pp |
| Annual return | 18.80% | 32.56%-13.8pp | 66.36%-47.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $1,168 | $2,622-55.4% | $4,175-72.0% | $2,552-54.2% |
| Participant deferral / active EE | $3,711 | $3,206+15.8% | $5,451-31.9% | $4,126-10.1% |
| Admin fee / account holder | $1,314 | $6,405-79.5% | $14,497-90.9% | $7,339-82.1% |