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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 | $12,581 | $94,439-86.7% | $73,658-82.9% | $154,746-91.9% |
| Participation rate | 81.3% | 64.7%+16.6pp | 57.0%+24.2pp | 80.7%+0.5pp |
| Annual return | 18.77% | 28.25%-9.5pp | 29.72%-11.0pp | 172.34%-153.6pp |
| Employer contribution / active EE | $1,260 | $1,257+0.2% | $1,032+22.1% | $4,379-71.2% |
| Participant deferral / active EE | $2,455 | $2,527-2.8% | $2,062+19.1% | $6,730-63.5% |
| Admin fee / account holder | $1,979 | $3,843-48.5% | $3,357-41.0% | $14,365-86.2% |