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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 | $16,399 | $57,590-71.5% | $86,233-81.0% | $82,448-80.1% |
| Participation rate | 90.6% | 57.9%+32.8pp | 69.0%+21.6pp | 68.1%+22.6pp |
| Annual return | 31.22% | 22.41%+8.8pp | 61.39%-30.2pp | 41.64%-10.4pp |
| Employer contribution / active EE | $746 | $1,655-55.0% | $2,504-70.2% | $2,551-70.8% |
| Participant deferral / active EE | $1,469 | $3,080-52.3% | $4,559-67.8% | $4,139-64.5% |
| Admin fee / account holder | $1,031 | $4,730-78.2% | $8,342-87.6% | $7,234-85.8% |