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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 | $15,222 | $86,050-82.3% | $189,758-92.0% | $94,015-83.8% |
| Participation rate | 70.3% | 68.9%+1.4pp | 79.8%-9.5pp | 70.8%-0.6pp |
| Annual return | 14.02% | 17.77%-3.8pp | 52.62%-38.6pp | 17.84%-3.8pp |
| Employer contribution / active EE | $743 | $2,819-73.6% | $4,767-84.4% | $2,790-73.4% |
| Participant deferral / active EE | $2,494 | $3,349-25.5% | $5,856-57.4% | $4,249-41.3% |
| Admin fee / account holder | $977 | $6,627-85.3% | $20,388-95.2% | $8,951-89.1% |