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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 | $19,298 | $81,276-76.3% | $155,574-87.6% | $80,925-76.2% |
| Participation rate | 71.4% | 66.2%+5.2pp | 78.2%-6.8pp | 67.7%+3.8pp |
| Annual return | 16.33% | 33.36%-17.0pp | 64.87%-48.5pp | 35.65%-19.3pp |
| Employer contribution / active EE | $1,547 | $3,103-50.1% | $4,676-66.9% | $2,756-43.9% |
| Participant deferral / active EE | $1,259 | $3,453-63.5% | $5,629-77.6% | $4,299-70.7% |
| Admin fee / account holder | $3,360 | $7,993-58.0% | $15,914-78.9% | $6,940-51.6% |