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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 | $112,729-84.0% | $98,716-81.8% | $137,256-86.9% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.3%+8.5pp | 80.0%-2.2pp |
| Annual return | 21.36% | 38.48%-17.1pp | 31.81%-10.4pp | 220.34%-199.0pp |
| Employer contribution / active EE | $827 | $2,725-69.7% | $2,279-63.7% | $4,156-80.1% |
| Participant deferral / active EE | $4,319 | $4,640-6.9% | $4,048+6.7% | $6,407-32.6% |
| Admin fee / account holder | $1,437 | $10,129-85.8% | $8,703-83.5% | $12,270-88.3% |