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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 | $14,037 | $90,484-84.5% | $78,675-82.2% | $273,970-94.9% |
| Participation rate | 88.9% | 76.5%+12.4pp | 73.6%+15.3pp | 83.0%+5.9pp |
| Annual return | 8.15% | 75.62%-67.5pp | 62.19%-54.0pp | 41.46%-33.3pp |
| Employer contribution / active EE | $831 | $3,175-73.8% | $2,850-70.8% | $4,869-82.9% |
| Participant deferral / active EE | $1,629 | $3,901-58.2% | $3,517-53.7% | $5,287-69.2% |
| Admin fee / account holder | $1,371 | $5,263-74.0% | $4,510-69.6% | $10,132-86.5% |