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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 | $10,383 | $78,690-86.8% | $161,489-93.6% | $87,485-88.1% |
| Participation rate | 90.8% | 67.5%+23.3pp | 78.7%+12.1pp | 68.9%+21.9pp |
| Annual return | 19.85% | 32.74%-12.9pp | 89.72%-69.9pp | 26.06%-6.2pp |
| Employer contribution / active EE | $1,240 | $2,588-52.1% | $4,268-71.0% | $2,596-52.3% |
| Participant deferral / active EE | $2,539 | $3,311-23.3% | $5,630-54.9% | $4,274-40.6% |
| Admin fee / account holder | $899 | $6,724-86.6% | $16,006-94.4% | $7,775-88.4% |