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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 | $12,936 | $57,590-77.5% | $86,233-85.0% | $82,448-84.3% |
| Participation rate | 91.2% | 57.9%+33.4pp | 69.0%+22.2pp | 68.1%+23.2pp |
| Annual return | 16.59% | 22.41%-5.8pp | 61.39%-44.8pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,496 | $1,655-9.6% | $2,504-40.3% | $2,551-41.3% |
| Participant deferral / active EE | $1,820 | $3,080-40.9% | $4,559-60.1% | $4,139-56.0% |
| Admin fee / account holder | $2,260 | $4,730-52.2% | $8,342-72.9% | $7,234-68.8% |