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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 | $17,995 | $124,980-85.6% | $108,359-83.4% | $154,746-88.4% |
| Participation rate | 77.8% | 75.2%+2.6pp | 70.1%+7.7pp | 80.7%-2.9pp |
| Annual return | 21.36% | 45.00%-23.6pp | 36.89%-15.5pp | 172.34%-151.0pp |
| Employer contribution / active EE | $827 | $2,851-71.0% | $2,399-65.5% | $4,379-81.1% |
| Participant deferral / active EE | $4,319 | $4,743-8.9% | $4,137+4.4% | $6,730-35.8% |
| Admin fee / account holder | $1,437 | $11,502-87.5% | $9,741-85.2% | $14,365-90.0% |