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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 | $18,507 | $76,407-75.8% | $150,298-87.7% | $82,448-77.6% |
| Participation rate | 86.1% | 66.4%+19.7pp | 77.8%+8.4pp | 68.1%+18.0pp |
| Annual return | 18.46% | 39.99%-21.5pp | 62.79%-44.3pp | 41.64%-23.2pp |
| Employer contribution / active EE | $551 | $2,614-78.9% | $4,154-86.7% | $2,551-78.4% |
| Participant deferral / active EE | $3,812 | $3,214+18.6% | $5,453-30.1% | $4,139-7.9% |
| Admin fee / account holder | $396 | $6,352-93.8% | $14,116-97.2% | $7,234-94.5% |