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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 | $22,796 | $75,541-69.8% | $152,093-85.0% | $82,637-72.4% |
| Participation rate | 98.4% | 66.5%+31.8pp | 77.8%+20.6pp | 68.1%+30.3pp |
| Annual return | 18.90% | 32.56%-13.7pp | 66.36%-47.5pp | 53.51%-34.6pp |
| Employer contribution / active EE | $637 | $2,622-75.7% | $4,175-84.7% | $2,552-75.0% |
| Participant deferral / active EE | $3,448 | $3,206+7.6% | $5,451-36.7% | $4,126-16.4% |
| Admin fee / account holder | $2,212 | $6,405-65.5% | $14,497-84.7% | $7,339-69.9% |