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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 | $15,697 | $81,276-80.7% | $155,574-89.9% | $80,925-80.6% |
| Participation rate | 94.3% | 66.2%+28.0pp | 78.2%+16.1pp | 67.7%+26.6pp |
| Annual return | 15.47% | 33.36%-17.9pp | 64.87%-49.4pp | 35.65%-20.2pp |
| Employer contribution / active EE | $1,889 | $3,103-39.1% | $4,676-59.6% | $2,756-31.5% |
| Participant deferral / active EE | $4,671 | $3,453+35.3% | $5,629-17.0% | $4,299+8.7% |
| Admin fee / account holder | $2,729 | $7,993-65.9% | $15,914-82.9% | $6,940-60.7% |