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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 | $20,936 | $76,407-72.6% | $150,298-86.1% | $82,448-74.6% |
| Participation rate | 79.6% | 66.4%+13.2pp | 77.8%+1.8pp | 68.1%+11.5pp |
| Annual return | 22.67% | 39.99%-17.3pp | 62.79%-40.1pp | 41.64%-19.0pp |
| Employer contribution / active EE | $939 | $2,614-64.1% | $4,154-77.4% | $2,551-63.2% |
| Participant deferral / active EE | $2,311 | $3,214-28.1% | $5,453-57.6% | $4,139-44.2% |
| Admin fee / account holder | $2,326 | $6,352-63.4% | $14,116-83.5% | $7,234-67.9% |