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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 | $15,912 | $124,980-87.3% | $108,359-85.3% | $154,746-89.7% |
| Participation rate | 89.5% | 75.2%+14.3pp | 70.1%+19.4pp | 80.7%+8.8pp |
| Annual return | 17.10% | 45.00%-27.9pp | 36.89%-19.8pp | 172.34%-155.2pp |
| Employer contribution / active EE | $1,467 | $2,851-48.5% | $2,399-38.9% | $4,379-66.5% |
| Participant deferral / active EE | $2,873 | $4,743-39.4% | $4,137-30.6% | $6,730-57.3% |
| Admin fee / account holder | $2,811 | $11,502-75.6% | $9,741-71.1% | $14,365-80.4% |