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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 | $14,711 | $99,053-85.1% | $88,179-83.3% | $138,895-89.4% |
| Participation rate | 73.7% | 74.2%-0.6pp | 69.1%+4.5pp | 79.9%-6.2pp |
| Annual return | 24.68% | 78.17%-53.5pp | 64.97%-40.3pp | 145.39%-120.7pp |
| Employer contribution / active EE | $1,226 | $2,882-57.5% | $2,549-51.9% | $4,194-70.8% |
| Participant deferral / active EE | $4,292 | $5,225-17.9% | $4,614-7.0% | $6,396-32.9% |
| Admin fee / account holder | $819 | $8,748-90.6% | $7,673-89.3% | $12,562-93.5% |