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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 | $14,228 | $97,125-85.4% | $86,233-83.5% | $137,256-89.6% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 23.32% | 74.19%-50.9pp | 61.39%-38.1pp | 220.34%-197.0pp |
| Employer contribution / active EE | $1,677 | $2,841-41.0% | $2,504-33.1% | $4,156-59.7% |
| Participant deferral / active EE | $2,453 | $5,180-52.7% | $4,559-46.2% | $6,407-61.7% |
| Admin fee / account holder | $514 | $9,725-94.7% | $8,342-93.8% | $12,270-95.8% |