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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 | $17,784 | $62,672-71.6% | $185,117-90.4% | $70,126-74.6% |
| Participation rate | 94.9% | 63.8%+31.1pp | 77.3%+17.6pp | 69.5%+25.3pp |
| Annual return | 27.88% | 40.79%-12.9pp | 40.50%-12.6pp | 73.15%-45.3pp |
| Employer contribution / active EE | $1,751 | $1,753-0.1% | $4,182-58.1% | $2,343-25.2% |
| Participant deferral / active EE | $3,698 | $3,272+13.0% | $5,045-26.7% | $3,332+11.0% |
| Admin fee / account holder | $313 | $3,932-92.0% | $8,159-96.2% | $4,645-93.3% |