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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 | $112,729-85.9% | $98,716-83.9% | $137,256-88.4% |
| Participation rate | 89.5% | 74.2%+15.2pp | 69.3%+20.2pp | 80.0%+9.5pp |
| Annual return | 17.10% | 38.48%-21.4pp | 31.81%-14.7pp | 220.34%-203.2pp |
| Employer contribution / active EE | $1,467 | $2,725-46.2% | $2,279-35.6% | $4,156-64.7% |
| Participant deferral / active EE | $2,873 | $4,640-38.1% | $4,048-29.0% | $6,407-55.2% |
| Admin fee / account holder | $2,811 | $10,129-72.2% | $8,703-67.7% | $12,270-77.1% |