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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 | $10,690 | $39,028-72.6% | $80,741-86.8% | $85,847-87.5% |
| Participation rate | 85.7% | 41.6%+44.2pp | 54.2%+31.6pp | 69.3%+16.4pp |
| Annual return | 28.35% | 26.31%+2.0pp | 87.30%-59.0pp | 318.61%-290.3pp |
| Employer contribution / active EE | $1,746 | $722+141.8% | $1,160+50.5% | $2,565-31.9% |
| Participant deferral / active EE | $3,256 | $1,326+145.5% | $2,145+51.7% | $3,952-17.6% |
| Admin fee / account holder | $551 | $2,429-77.3% | $3,380-83.7% | $6,261-91.2% |