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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 | $22,789 | $116,167-80.4% | $64,489-64.7% | $137,256-83.4% |
| Participation rate | 85.0% | 68.2%+16.8pp | 67.7%+17.3pp | 80.0%+5.0pp |
| Annual return | 18.23% | 36.55%-18.3pp | 55.03%-36.8pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,399 | $2,483-43.6% | $1,523-8.1% | $4,156-66.3% |
| Participant deferral / active EE | $3,701 | $4,215-12.2% | $2,778+33.2% | $6,407-42.2% |
| Admin fee / account holder | $1,856 | $6,188-70.0% | $4,260-56.4% | $12,270-84.9% |