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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 | $18,302 | $97,125-81.2% | $86,233-78.8% | $137,256-86.7% |
| Participation rate | 88.2% | 74.2%+14.0pp | 69.0%+19.2pp | 80.0%+8.3pp |
| Annual return | 19.03% | 74.19%-55.2pp | 61.39%-42.4pp | 220.34%-201.3pp |
| Employer contribution / active EE | $1,775 | $2,841-37.5% | $2,504-29.1% | $4,156-57.3% |
| Participant deferral / active EE | $1,981 | $5,180-61.7% | $4,559-56.5% | $6,407-69.1% |
| Admin fee / account holder | $594 | $9,725-93.9% | $8,342-92.9% | $12,270-95.2% |