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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 | $18,563 | $112,729-83.5% | $98,716-81.2% | $137,256-86.5% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 22.77% | 38.48%-15.7pp | 31.81%-9.0pp | 220.34%-197.6pp |
| Employer contribution / active EE | $531 | $2,725-80.5% | $2,279-76.7% | $4,156-87.2% |
| Participant deferral / active EE | $3,170 | $4,640-31.7% | $4,048-21.7% | $6,407-50.5% |
| Admin fee / account holder | $361 | $10,129-96.4% | $8,703-95.8% | $12,270-97.1% |