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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 | $27,675 | $80,983-65.8% | $96,544-71.3% | $75,177-63.2% |
| Participation rate | 94.3% | 71.8%+22.5pp | 76.0%+18.3pp | 67.2%+27.1pp |
| Annual return | 13.85% | 27.05%-13.2pp | 25.88%-12.0pp | 160.75%-146.9pp |
| Employer contribution / active EE | $1,181 | $2,282-48.3% | $2,966-60.2% | $2,671-55.8% |
| Participant deferral / active EE | $3,524 | $3,929-10.3% | $4,851-27.4% | $4,126-14.6% |
| Admin fee / account holder | $744 | $6,717-88.9% | $8,254-91.0% | $5,651-86.8% |