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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 | $32,664 | $72,492-54.9% | $87,104-62.5% | $72,975-55.2% |
| Participation rate | 75.7% | 72.8%+2.9pp | 76.9%-1.2pp | 69.5%+6.2pp |
| Annual return | 16.92% | 24.46%-7.5pp | 28.19%-11.3pp | 81.01%-64.1pp |
| Employer contribution / active EE | $727 | $1,894-61.6% | $2,521-71.2% | $2,440-70.2% |
| Participant deferral / active EE | $2,301 | $3,270-29.6% | $4,048-43.2% | $3,608-36.2% |
| Admin fee / account holder | $9,186 | $5,055+81.7% | $7,491+22.6% | $5,124+79.3% |