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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 | $14,571 | $112,729-87.1% | $98,716-85.2% | $137,256-89.4% |
| Participation rate | 90.5% | 74.2%+16.2pp | 69.3%+21.2pp | 80.0%+10.5pp |
| Annual return | 20.45% | 38.48%-18.0pp | 31.81%-11.4pp | 220.34%-199.9pp |
| Employer contribution / active EE | $1,940 | $2,725-28.8% | $2,279-14.8% | $4,156-53.3% |
| Participant deferral / active EE | $4,473 | $4,640-3.6% | $4,048+10.5% | $6,407-30.2% |
| Admin fee / account holder | $1,694 | $10,129-83.3% | $8,703-80.5% | $12,270-86.2% |