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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 | $13,537 | $81,276-83.3% | $155,574-91.3% | $80,925-83.3% |
| Participation rate | 79.4% | 66.2%+13.2pp | 78.2%+1.2pp | 67.7%+11.8pp |
| Annual return | 15.08% | 33.36%-18.3pp | 64.87%-49.8pp | 35.65%-20.6pp |
| Employer contribution / active EE | $859 | $3,103-72.3% | $4,676-81.6% | $2,756-68.9% |
| Participant deferral / active EE | $4,682 | $3,453+35.6% | $5,629-16.8% | $4,299+8.9% |
| Admin fee / account holder | $307 | $7,993-96.2% | $15,914-98.1% | $6,940-95.6% |