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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 | $23,559 | $37,446-37.1% | $77,552-69.6% | $79,856-70.5% |
| Participation rate | 96.2% | 41.5%+54.6pp | 54.2%+42.0pp | 69.6%+26.5pp |
| Annual return | 15.30% | 39.76%-24.5pp | 54.82%-39.5pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,430 | $637+124.4% | $987+44.9% | $2,471-42.1% |
| Participant deferral / active EE | $2,793 | $1,261+121.6% | $1,861+50.1% | $3,741-25.3% |
| Admin fee / account holder | $407 | $2,506-83.8% | $2,859-85.8% | $5,306-92.3% |