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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 | $18,871 | $64,920-70.9% | $103,693-81.8% | $86,983-78.3% |
| Participation rate | 98.0% | 63.6%+34.4pp | 72.6%+25.4pp | 69.5%+28.5pp |
| Annual return | 12.96% | 30.29%-17.3pp | 47.61%-34.7pp | 25.83%-12.9pp |
| Employer contribution / active EE | $653 | $2,141-69.5% | $2,920-77.6% | $2,584-74.7% |
| Participant deferral / active EE | $1,682 | $3,241-48.1% | $4,579-63.3% | $4,194-59.9% |
| Admin fee / account holder | $2,231 | $6,191-64.0% | $7,858-71.6% | $7,856-71.6% |