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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 | $11,531 | $81,276-85.8% | $155,574-92.6% | $80,925-85.8% |
| Participation rate | 85.7% | 66.2%+19.5pp | 78.2%+7.5pp | 67.7%+18.1pp |
| Annual return | 11.67% | 33.36%-21.7pp | 64.87%-53.2pp | 35.65%-24.0pp |
| Employer contribution / active EE | $1,451 | $3,103-53.2% | $4,676-69.0% | $2,756-47.4% |
| Participant deferral / active EE | $2,716 | $3,453-21.3% | $5,629-51.7% | $4,299-36.8% |
| Admin fee / account holder | $806 | $7,993-89.9% | $15,914-94.9% | $6,940-88.4% |