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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 | $19,950 | $23,330-14.5% | $64,489-69.1% | $82,448-75.8% |
| Participation rate | 92.9% | 68.3%+24.6pp | 67.7%+25.2pp | 68.1%+24.8pp |
| Annual return | 15.84% | 83.66%-67.8pp | 55.03%-39.2pp | 41.64%-25.8pp |
| Employer contribution / active EE | $407 | $824-50.6% | $1,523-73.3% | $2,551-84.0% |
| Participant deferral / active EE | $2,773 | $1,707+62.4% | $2,778-0.2% | $4,139-33.0% |
| Admin fee / account holder | $2,180 | $2,946-26.0% | $4,260-48.8% | $7,234-69.9% |