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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 | $25,920 | $76,407-66.1% | $150,298-82.8% | $82,448-68.6% |
| Participation rate | 92.0% | 66.4%+25.6pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 16.25% | 39.99%-23.7pp | 62.79%-46.5pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,282 | $2,614-51.0% | $4,154-69.1% | $2,551-49.7% |
| Participant deferral / active EE | $3,828 | $3,214+19.1% | $5,453-29.8% | $4,139-7.5% |
| Admin fee / account holder | $737 | $6,352-88.4% | $14,116-94.8% | $7,234-89.8% |