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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 | $20,549 | $48,078-57.3% | $78,676-73.9% | $62,881-67.3% |
| Participation rate | 88.5% | 65.2%+23.3pp | 73.6%+15.0pp | 69.3%+19.2pp |
| Annual return | 7.00% | 31.36%-24.4pp | 62.19%-55.2pp | 20.14%-13.1pp |
| Employer contribution / active EE | $322 | $2,015-84.0% | $2,850-88.7% | $2,281-85.9% |
| Participant deferral / active EE | $1,899 | $2,587-26.6% | $3,517-46.0% | $3,203-40.7% |
| Admin fee / account holder | $445 | $3,206-86.1% | $4,510-90.1% | $4,296-89.7% |