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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 | $16,584 | $57,590-71.2% | $86,233-80.8% | $82,448-79.9% |
| Participation rate | 95.0% | 57.9%+37.1pp | 69.0%+26.0pp | 68.1%+26.9pp |
| Annual return | 15.88% | 22.41%-6.5pp | 61.39%-45.5pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,162 | $1,655-29.8% | $2,504-53.6% | $2,551-54.4% |
| Participant deferral / active EE | $2,390 | $3,080-22.4% | $4,559-47.6% | $4,139-42.2% |
| Admin fee / account holder | $678 | $4,730-85.7% | $8,342-91.9% | $7,234-90.6% |