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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 | $19,615 | $100,279-80.4% | $81,353-75.9% | $145,884-86.6% |
| Participation rate | 79.2% | 74.3%+4.9pp | 69.5%+9.6pp | 80.3%-1.1pp |
| Annual return | 13.12% | 34.49%-21.4pp | 24.82%-11.7pp | 551.85%-538.7pp |
| Employer contribution / active EE | $1,705 | $2,979-42.8% | $2,464-30.8% | $4,662-63.4% |
| Participant deferral / active EE | $3,438 | $4,611-25.4% | $3,885-11.5% | $6,690-48.6% |
| Admin fee / account holder | $1,170 | $8,206-85.7% | $5,766-79.7% | $13,392-91.3% |