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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 | $26,727 | $74,535-64.1% | $100,712-73.5% | $82,637-67.7% |
| Participation rate | 96.4% | 61.2%+35.2pp | 69.3%+27.1pp | 68.1%+28.3pp |
| Annual return | 17.39% | 18.92%-1.5pp | 33.27%-15.9pp | 53.51%-36.1pp |
| Employer contribution / active EE | $1,116 | $1,503-25.7% | $2,313-51.7% | $2,552-56.3% |
| Participant deferral / active EE | $2,401 | $3,074-21.9% | $4,085-41.2% | $4,126-41.8% |
| Admin fee / account holder | $885 | $6,576-86.5% | $9,256-90.4% | $7,339-87.9% |