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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 | $15,720 | $88,996-82.3% | $78,004-79.8% | $138,895-88.7% |
| Participation rate | 85.7% | 74.4%+11.4pp | 69.4%+16.3pp | 79.9%+5.8pp |
| Annual return | 13.89% | 28.03%-14.1pp | 31.07%-17.2pp | 145.39%-131.5pp |
| Employer contribution / active EE | $1,370 | $2,917-53.0% | $2,469-44.5% | $4,194-67.3% |
| Participant deferral / active EE | $1,966 | $4,724-58.4% | $4,092-52.0% | $6,396-69.3% |
| Admin fee / account holder | $25,605 | $8,807+190.7% | $7,578+237.9% | $12,562+103.8% |