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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 | $21,541 | $81,358-73.5% | $155,556-86.2% | $80,959-73.4% |
| Participation rate | 97.1% | 66.3%+30.9pp | 78.2%+18.9pp | 67.7%+29.5pp |
| Annual return | 11.24% | 33.39%-22.2pp | 64.84%-53.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,868 | $3,106-39.9% | $4,675-60.0% | $2,757-32.2% |
| Participant deferral / active EE | $1,476 | $3,455-57.3% | $5,631-73.8% | $4,300-65.7% |
| Admin fee / account holder | $2,452 | $7,994-69.3% | $15,885-84.6% | $6,925-64.6% |