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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 | $14,273 | $108,882-86.9% | $96,754-85.2% | $154,746-90.8% |
| Participation rate | 95.5% | 75.1%+20.4pp | 70.3%+25.2pp | 80.7%+14.8pp |
| Annual return | 24.14% | 98.39%-74.3pp | 82.04%-57.9pp | 172.34%-148.2pp |
| Employer contribution / active EE | $2,585 | $3,018-14.3% | $2,679-3.5% | $4,379-41.0% |
| Participant deferral / active EE | $4,319 | $5,323-18.8% | $4,758-9.2% | $6,730-35.8% |
| Admin fee / account holder | $763 | $10,200-92.5% | $8,905-91.4% | $14,365-94.7% |