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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 | $13,108 | $78,690-83.3% | $161,489-91.9% | $87,485-85.0% |
| Participation rate | 90.7% | 67.5%+23.2pp | 78.7%+12.0pp | 68.9%+21.8pp |
| Annual return | 17.62% | 32.74%-15.1pp | 89.72%-72.1pp | 26.06%-8.4pp |
| Employer contribution / active EE | $1,266 | $2,588-51.1% | $4,268-70.3% | $2,596-51.2% |
| Participant deferral / active EE | $1,988 | $3,311-40.0% | $5,630-64.7% | $4,274-53.5% |
| Admin fee / account holder | $1,999 | $6,724-70.3% | $16,006-87.5% | $7,775-74.3% |