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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 | $16,513 | $124,980-86.8% | $108,359-84.8% | $154,746-89.3% |
| Participation rate | 88.9% | 75.2%+13.7pp | 70.1%+18.8pp | 80.7%+8.2pp |
| Annual return | 19.40% | 45.00%-25.6pp | 36.89%-17.5pp | 172.34%-152.9pp |
| Employer contribution / active EE | $709 | $2,851-75.1% | $2,399-70.4% | $4,379-83.8% |
| Participant deferral / active EE | $1,272 | $4,743-73.2% | $4,137-69.3% | $6,730-81.1% |
| Admin fee / account holder | $436 | $11,502-96.2% | $9,741-95.5% | $14,365-97.0% |