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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 | $20,650 | $70,666-70.8% | $169,385-87.8% | $75,181-72.5% |
| Participation rate | 89.7% | 64.8%+25.0pp | 77.2%+12.6pp | 67.2%+22.5pp |
| Annual return | 15.05% | 36.37%-21.3pp | 405.82%-390.8pp | 160.69%-145.6pp |
| Employer contribution / active EE | $1,480 | $2,210-33.0% | $4,012-63.1% | $2,671-44.6% |
| Participant deferral / active EE | $2,349 | $4,308-45.5% | $6,221-62.2% | $4,126-43.1% |
| Admin fee / account holder | $538 | $5,402-90.0% | $9,011-94.0% | $5,650-90.5% |