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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 | $28,093 | $81,504-65.5% | $102,437-72.6% | $80,959-65.3% |
| Participation rate | 96.8% | 66.9%+29.9pp | 74.5%+22.3pp | 67.7%+29.1pp |
| Annual return | 13.19% | 25.60%-12.4pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,507 | $3,104-51.4% | $3,871-61.1% | $2,757-45.3% |
| Participant deferral / active EE | $2,670 | $3,871-31.0% | $5,060-47.2% | $4,300-37.9% |
| Admin fee / account holder | $832 | $6,719-87.6% | $8,388-90.1% | $6,925-88.0% |