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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 | $78,690-67.1% | $161,489-83.9% | $87,485-70.4% |
| Participation rate | 92.0% | 67.5%+24.5pp | 78.7%+13.3pp | 68.9%+23.1pp |
| Annual return | 16.25% | 32.74%-16.5pp | 89.72%-73.5pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,282 | $2,588-50.5% | $4,268-70.0% | $2,596-50.6% |
| Participant deferral / active EE | $3,828 | $3,311+15.6% | $5,630-32.0% | $4,274-10.4% |
| Admin fee / account holder | $737 | $6,724-89.0% | $16,006-95.4% | $7,775-90.5% |