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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 | $151,427-84.3% | $112,860-79.0% | $154,746-84.7% |
| Participation rate | 90.0% | 69.1%+20.9pp | 66.3%+23.7pp | 80.7%+9.3pp |
| Annual return | 15.24% | 30.95%-15.7pp | 35.26%-20.0pp | 172.34%-157.1pp |
| Employer contribution / active EE | $1,541 | $2,750-44.0% | $2,206-30.1% | $4,379-64.8% |
| Participant deferral / active EE | $4,432 | $4,285+3.4% | $3,493+26.9% | $6,730-34.1% |
| Admin fee / account holder | $792 | $7,369-89.3% | $6,841-88.4% | $14,365-94.5% |