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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 | $115,225-83.9% | $100,712-81.6% | $138,895-86.6% |
| Participation rate | 87.5% | 74.3%+13.2pp | 69.3%+18.2pp | 79.9%+7.6pp |
| Annual return | 22.77% | 40.35%-17.6pp | 33.27%-10.5pp | 145.39%-122.6pp |
| Employer contribution / active EE | $531 | $2,771-80.9% | $2,313-77.1% | $4,194-87.3% |
| Participant deferral / active EE | $3,170 | $4,699-32.5% | $4,085-22.4% | $6,396-50.4% |
| Admin fee / account holder | $361 | $10,844-96.7% | $9,256-96.1% | $12,562-97.1% |