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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 | $19,473 | $71,197-72.6% | $93,669-79.2% | $80,925-75.9% |
| Participation rate | 70.0% | 60.4%+9.6pp | 68.7%+1.3pp | 67.7%+2.3pp |
| Annual return | 14.51% | 11.27%+3.2pp | 133.59%-119.1pp | 35.65%-21.1pp |
| Employer contribution / active EE | $1,451 | $1,565-7.2% | $2,424-40.1% | $2,756-47.3% |
| Participant deferral / active EE | $2,472 | $4,036-38.7% | $4,416-44.0% | $4,299-42.5% |
| Admin fee / account holder | $998 | $6,959-85.7% | $8,291-88.0% | $6,940-85.6% |