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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 | $22,053 | $47,848-53.9% | $81,473-72.9% | $70,126-68.6% |
| Participation rate | 88.9% | 58.3%+30.6pp | 68.0%+20.9pp | 69.5%+19.3pp |
| Annual return | 14.40% | 27.25%-12.9pp | 38.78%-24.4pp | 73.15%-58.8pp |
| Employer contribution / active EE | $1,136 | $1,527-25.6% | $2,568-55.8% | $2,343-51.5% |
| Participant deferral / active EE | $2,196 | $2,453-10.5% | $3,537-37.9% | $3,332-34.1% |
| Admin fee / account holder | $1,373 | $3,145-56.3% | $4,561-69.9% | $4,645-70.4% |