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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 | $51,088 | $54,541-6.3% | $78,778-35.1% | $70,124-27.1% |
| Participation rate | 86.7% | 60.8%+25.9pp | 69.2%+17.5pp | 69.5%+17.1pp |
| Annual return | 15.27% | 21.07%-5.8pp | 35.62%-20.4pp | 73.14%-57.9pp |
| Employer contribution / active EE | $312 | $1,089-71.3% | $1,986-84.3% | $2,342-86.7% |
| Participant deferral / active EE | $2,230 | $2,210+0.9% | $2,958-24.6% | $3,332-33.1% |
| Admin fee / account holder | $1,806 | $3,709-51.3% | $5,134-64.8% | $4,645-61.1% |