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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 | $18,445 | $81,331-77.3% | $155,534-88.1% | $80,935-77.2% |
| Participation rate | 98.4% | 66.3%+32.1pp | 78.2%+20.2pp | 67.7%+30.7pp |
| Annual return | 17.53% | 33.37%-15.8pp | 64.92%-47.4pp | 35.66%-18.1pp |
| Employer contribution / active EE | $639 | $3,105-79.4% | $4,675-86.3% | $2,757-76.8% |
| Participant deferral / active EE | $3,474 | $3,454+0.6% | $5,630-38.3% | $4,299-19.2% |
| Admin fee / account holder | $584 | $7,999-92.7% | $15,900-96.3% | $6,924-91.6% |