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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 | $17,067 | $104,694-83.7% | $85,709-80.1% | $167,536-89.8% |
| Participation rate | 78.9% | 76.4%+2.6pp | 69.9%+9.1pp | 82.1%-3.2pp |
| Annual return | 13.77% | 21.45%-7.7pp | 21.49%-7.7pp | 478.82%-465.0pp |
| Employer contribution / active EE | $2,352 | $3,337-29.5% | $2,619-10.2% | $4,839-51.4% |
| Participant deferral / active EE | $3,768 | $4,826-21.9% | $3,924-4.0% | $6,342-40.6% |
| Admin fee / account holder | $565 | $10,035-94.4% | $6,876-91.8% | $12,315-95.4% |