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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 | $20,275 | $81,331-75.1% | $155,534-87.0% | $80,935-74.9% |
| Participation rate | 80.6% | 66.3%+14.4pp | 78.2%+2.4pp | 67.7%+13.0pp |
| Annual return | 13.30% | 33.37%-20.1pp | 64.92%-51.6pp | 35.66%-22.4pp |
| Employer contribution / active EE | $843 | $3,105-72.9% | $4,675-82.0% | $2,757-69.4% |
| Participant deferral / active EE | $2,266 | $3,454-34.4% | $5,630-59.8% | $4,299-47.3% |
| Admin fee / account holder | $1,370 | $7,999-82.9% | $15,900-91.4% | $6,924-80.2% |