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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 | $10,344 | $76,407-86.5% | $150,298-93.1% | $82,448-87.5% |
| Participation rate | 88.0% | 66.4%+21.6pp | 77.8%+10.2pp | 68.1%+19.9pp |
| Annual return | 25.35% | 39.99%-14.6pp | 62.79%-37.4pp | 41.64%-16.3pp |
| Employer contribution / active EE | $1,391 | $2,614-46.8% | $4,154-66.5% | $2,551-45.5% |
| Participant deferral / active EE | $3,521 | $3,214+9.6% | $5,453-35.4% | $4,139-14.9% |
| Admin fee / account holder | $550 | $6,352-91.3% | $14,116-96.1% | $7,234-92.4% |