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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 | $23,719 | $116,167-79.6% | $64,489-63.2% | $137,256-82.7% |
| Participation rate | 90.0% | 68.2%+21.8pp | 67.7%+22.3pp | 80.0%+10.0pp |
| Annual return | 15.24% | 36.55%-21.3pp | 55.03%-39.8pp | 220.34%-205.1pp |
| Employer contribution / active EE | $1,541 | $2,483-37.9% | $1,523+1.2% | $4,156-62.9% |
| Participant deferral / active EE | $4,432 | $4,215+5.2% | $2,778+59.5% | $6,407-30.8% |
| Admin fee / account holder | $792 | $6,188-87.2% | $4,260-81.4% | $12,270-93.5% |