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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 | $18,659 | $77,901-76.0% | $149,717-87.5% | $75,181-75.2% |
| Participation rate | 77.4% | 65.6%+11.8pp | 78.8%-1.4pp | 67.2%+10.2pp |
| Annual return | 22.39% | 31.73%-9.3pp | 134.41%-112.0pp | 160.69%-138.3pp |
| Employer contribution / active EE | $1,779 | $3,137-43.3% | $4,820-63.1% | $2,671-33.4% |
| Participant deferral / active EE | $4,114 | $3,411+20.6% | $5,682-27.6% | $4,126-0.3% |
| Admin fee / account holder | $1,335 | $5,949-77.6% | $13,213-89.9% | $5,650-76.4% |