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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 | $23,371 | $53,774-56.5% | $134,162-82.6% | $79,856-70.7% |
| Participation rate | 83.5% | 58.8%+24.8pp | 72.2%+11.4pp | 69.6%+13.9pp |
| Annual return | 15.32% | 19.01%-3.7pp | 36.35%-21.0pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,588 | $1,322+20.2% | $3,705-57.1% | $2,471-35.7% |
| Participant deferral / active EE | $2,683 | $2,420+10.9% | $3,500-23.3% | $3,741-28.3% |
| Admin fee / account holder | $336 | $3,985-91.6% | $6,685-95.0% | $5,306-93.7% |