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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 | $16,625 | $78,690-78.9% | $161,489-89.7% | $87,485-81.0% |
| Participation rate | 83.9% | 67.5%+16.4pp | 78.7%+5.2pp | 68.9%+14.9pp |
| Annual return | 18.00% | 32.74%-14.7pp | 89.72%-71.7pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,440 | $2,588-44.4% | $4,268-66.3% | $2,596-44.5% |
| Participant deferral / active EE | $2,902 | $3,311-12.3% | $5,630-48.5% | $4,274-32.1% |
| Admin fee / account holder | $854 | $6,724-87.3% | $16,006-94.7% | $7,775-89.0% |