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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 | $10,359 | $77,920-86.7% | $149,723-93.1% | $75,177-86.2% |
| Participation rate | 93.5% | 65.6%+28.0pp | 78.8%+14.8pp | 67.2%+26.3pp |
| Annual return | 16.45% | 31.72%-15.3pp | 134.50%-118.1pp | 160.75%-144.3pp |
| Employer contribution / active EE | $436 | $3,138-86.1% | $4,821-91.0% | $2,671-83.7% |
| Participant deferral / active EE | $4,083 | $3,411+19.7% | $5,682-28.2% | $4,126-1.1% |
| Admin fee / account holder | $1,909 | $5,951-67.9% | $13,215-85.6% | $5,651-66.2% |