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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 | $27,460 | $54,541-49.7% | $78,778-65.1% | $70,126-60.8% |
| Participation rate | 88.4% | 60.8%+27.6pp | 69.2%+19.2pp | 69.5%+18.8pp |
| Annual return | 15.34% | 21.07%-5.7pp | 35.62%-20.3pp | 73.15%-57.8pp |
| Employer contribution / active EE | $1,094 | $1,089+0.5% | $1,986-44.9% | $2,343-53.3% |
| Participant deferral / active EE | $2,920 | $2,210+32.1% | $2,958-1.3% | $3,332-12.4% |
| Admin fee / account holder | $1,070 | $3,709-71.2% | $5,134-79.2% | $4,645-77.0% |