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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 | $76,834-65.2% | $108,359-75.3% | $87,485-69.4% |
| Participation rate | 96.4% | 61.7%+34.6pp | 70.1%+26.2pp | 68.9%+27.4pp |
| Annual return | 17.39% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.7pp |
| Employer contribution / active EE | $1,116 | $1,556-28.3% | $2,399-53.5% | $2,596-57.0% |
| Participant deferral / active EE | $2,401 | $3,100-22.6% | $4,137-42.0% | $4,274-43.8% |
| Admin fee / account holder | $885 | $6,537-86.5% | $9,741-90.9% | $7,775-88.6% |