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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 | $14,339 | $81,358-82.4% | $155,556-90.8% | $80,959-82.3% |
| Participation rate | 81.8% | 66.3%+15.6pp | 78.2%+3.6pp | 67.7%+14.2pp |
| Annual return | 13.67% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,972 | $3,106-36.5% | $4,675-57.8% | $2,757-28.5% |
| Participant deferral / active EE | $2,991 | $3,455-13.4% | $5,631-46.9% | $4,300-30.4% |
| Admin fee / account holder | $457 | $7,994-94.3% | $15,885-97.1% | $6,925-93.4% |