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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 | $12,005 | $43,075-72.1% | $74,577-83.9% | $62,881-80.9% |
| Participation rate | 81.4% | 58.1%+23.3pp | 68.1%+13.3pp | 69.3%+12.1pp |
| Annual return | 6.27% | 17.50%-11.2pp | 20.47%-14.2pp | 20.14%-13.9pp |
| Employer contribution / active EE | $3,651 | $1,498+143.8% | $2,525+44.6% | $2,281+60.1% |
| Participant deferral / active EE | $2,302 | $2,389-3.7% | $3,458-33.4% | $3,203-28.1% |
| Admin fee / account holder | $964 | $2,840-66.1% | $4,138-76.7% | $4,296-77.6% |