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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 | $78,690-76.5% | $161,489-88.5% | $87,485-78.8% |
| Participation rate | 86.1% | 67.5%+18.6pp | 78.7%+7.4pp | 68.9%+17.2pp |
| Annual return | 18.46% | 32.74%-14.3pp | 89.72%-71.3pp | 26.06%-7.6pp |
| Employer contribution / active EE | $551 | $2,588-78.7% | $4,268-87.1% | $2,596-78.8% |
| Participant deferral / active EE | $3,812 | $3,311+15.1% | $5,630-32.3% | $4,274-10.8% |
| Admin fee / account holder | $396 | $6,724-94.1% | $16,006-97.5% | $7,775-94.9% |