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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 | $15,359 | $112,729-86.4% | $98,716-84.4% | $137,256-88.8% |
| Participation rate | 87.5% | 74.2%+13.3pp | 69.3%+18.2pp | 80.0%+7.5pp |
| Annual return | 21.48% | 38.48%-17.0pp | 31.81%-10.3pp | 220.34%-198.9pp |
| Employer contribution / active EE | $1,945 | $2,725-28.6% | $2,279-14.6% | $4,156-53.2% |
| Participant deferral / active EE | $2,540 | $4,640-45.3% | $4,048-37.3% | $6,407-60.4% |
| Admin fee / account holder | $1,158 | $10,129-88.6% | $8,703-86.7% | $12,270-90.6% |