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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 | $10,295 | $57,140-82.0% | $85,240-87.9% | $80,959-87.3% |
| Participation rate | 85.1% | 56.4%+28.7pp | 67.5%+17.6pp | 67.7%+17.4pp |
| Annual return | 20.77% | 21.71%-0.9pp | 66.75%-46.0pp | 35.67%-14.9pp |
| Employer contribution / active EE | $1,762 | $1,802-2.2% | $2,735-35.6% | $2,757-36.1% |
| Participant deferral / active EE | $2,163 | $3,115-30.6% | $4,527-52.2% | $4,300-49.7% |
| Admin fee / account holder | $1,178 | $4,992-76.4% | $6,165-80.9% | $6,925-83.0% |