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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 | $21,367 | $81,358-73.7% | $155,556-86.3% | $80,959-73.6% |
| Participation rate | 87.0% | 66.3%+20.8pp | 78.2%+8.8pp | 67.7%+19.4pp |
| Annual return | 12.79% | 33.39%-20.6pp | 64.84%-52.0pp | 35.67%-22.9pp |
| Employer contribution / active EE | $1,120 | $3,106-63.9% | $4,675-76.0% | $2,757-59.4% |
| Participant deferral / active EE | $4,467 | $3,455+29.3% | $5,631-20.7% | $4,300+3.9% |
| Admin fee / account holder | $602 | $7,994-92.5% | $15,885-96.2% | $6,925-91.3% |