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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 | $15,910 | $114,119-86.1% | $107,187-85.2% | $138,895-88.5% |
| Participation rate | 76.9% | 78.1%-1.2pp | 75.0%+1.9pp | 79.9%-3.0pp |
| Annual return | 19.24% | 273.21%-254.0pp | 204.55%-185.3pp | 145.39%-126.1pp |
| Employer contribution / active EE | $1,804 | $4,059-55.6% | $3,782-52.3% | $4,194-57.0% |
| Participant deferral / active EE | $2,390 | $5,538-56.8% | $5,096-53.1% | $6,396-62.6% |
| Admin fee / account holder | $785 | $10,024-92.2% | $9,162-91.4% | $12,562-93.8% |