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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 | $76,407-72.1% | $150,298-85.8% | $82,448-74.2% |
| Participation rate | 98.0% | 66.4%+31.6pp | 77.8%+20.2pp | 68.1%+29.9pp |
| Annual return | 18.80% | 39.99%-21.2pp | 62.79%-44.0pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,168 | $2,614-55.3% | $4,154-71.9% | $2,551-54.2% |
| Participant deferral / active EE | $3,711 | $3,214+15.4% | $5,453-31.9% | $4,139-10.4% |
| Admin fee / account holder | $1,314 | $6,352-79.3% | $14,116-90.7% | $7,234-81.8% |